Financial Assistance Data, Modelling & Analytics Specialist providing insights across the customer journey in financial difficulty. Ensuring effective strategies and compliance with consumer duty and regulations.
Responsibilities
The OpportunityThe Financial Assistance Data, Modelling & Analytics Specialist is responsible for delivering high-quality portfolio, customer, and strategy insights across the Customer in Financial Difficulty (CiFD) cycle. The role provides analytical leadership across segmentation, customer treatment monitoring, model development and management, and the identification of customer behaviours, patterns, and trends to inform evidence-based strategy and decision-making.
The role plays a critical part in ensuring that CiFD customer strategies are effective, compliant, fair, and deliver good customer outcomes in line with Consumer Duty, regulatory expectations, and the Bank’s risk appetite
**Key Accountabilities Include:**
Deliver portfolio and strategy performance insights across the CIFD journey, identifying trends, risks, and opportunities to optimise outcomes
Monitor the effectiveness, fairness, and outcomes of customer treatments, including vulnerable customer cohorts, in line with Consumer Duty and FCA expectations.
Develop and maintain customer segmentation frameworks to enable differentiated, insight-led CiFD customer strategies strategies
Design, develop, manage, and monitor analytical and predictive models supporting decision-making across the CiFD journey
Identify customer behaviours, patterns, and macroeconomic trends to inform proactive strategy and treatment enhancements
Translate complex analytical outputs into clear, actionable recommendations for senior stakeholders and decision forums
Ensure all analytics and modelling activity complies with data governance, model risk management, and regulatory requirements
Requirements
**Competencies & Skills:**
Strong experience in data, analytics, or modelling within Collections, Recoveries, Credit Risk, or Financial Assistance in a UK retail banking environment
Proven experience delivering portfolio and strategy insights using large, complex datasets
Experience developing and managing analytical or predictive models
Strong understanding of pre-arrears, customer arrears, forbearance, default, and recovery processes
Ability to translate complex analysis into clear, actionable insight for senior stakeholders.
Strong stakeholder management and communication skills
Knowledge of FCA regulatory expectations relating to Collections & Recoveries and Consumer Duty
Experience with segmentation design and behavioural analytics
Exposure to vulnerability analytics or outcomes testing
Familiarity with Model Risk Management frameworks
Benefits
Why Join Starling?
Make an Impact: Work on projects that directly shape the future of banking and improve the financial lives of our customers. Starling is technology-led, and you'll have the freedom to accomplish your goals in innovative ways.
Culture of Excellence: Be part of a collaborative, empowered, and forward-thinking team. We encourage experimentation, ownership, and a relentless focus on "doing the right thing.”
Growth and Development: We are committed to your professional growth, offering opportunities to learn new technologies, take on new challenges, and own interesting things from day one.
A Bank That Cares: We're a Living Wage employer, committed to flexible working, and dedicated to creating a fair, open, and safe working environment with compassion and inclusion at its core.
Comprehensive Benefits: We offer a competitive salary and a comprehensive benefits package, including:
Private Medical Insurance with Vitality including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton.
25 days holiday (plus take your public holiday allowance whenever works best for you)
An extra day’s holiday for your birthday
Life Insurance at 4x your salary.
16 hours of paid volunteering time a year.
Ability to buy or sell annual leave.
Generous family-friendly policies.
Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
Incentivised refer a friend scheme
Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasingOur Commitment to Equality
Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law. When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Starling Bank will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.
Job title
Financial Assistance Specialist, Data Modelling & Analytics
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