Head of Product Risk & Governance

Hello, we're Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We're a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We're a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices. 

We are excited to be recruiting for a new role within our rapidly developing SME team. This is a key leadership role in the SME banking leadership team, primarily responsible for developing the SME banking product risk culture, governance, policy, controls and MI, to help ensure good outcomes for customers. Additionally, this role also involves supporting the SME segment's financial crime and operational risk objectives. 

Key responsibilities:

• Own the deposit and fee income P&L for SME banking, ensuring timely commercial analysis, balance sheet management and pricing
• Develop a compelling vision, innovative value proposition, customer acquisition and retention strategy
• Ensure Customer Solutions provides Product teams with SME segment expertise across areas as diverse as BCAs, Savings/Deposit products, Subscriptions, Partnerships, Merchant Acquiring, Accountancy and Foreign Exchange. 
• Understanding e2e customer journeys and funnels to improve customer experience 
• Orchestrate the design, build, test, and launch of new customer solutions
• Own 1st line product risk management through the product lifecycle (i.e. design, build, test, launch, onboard, in life, exit)
• Engage effectively with key parts of the Bank including Product/Tech, Finance, Marketing, Operation, Legal, 2nd and 3rd line. 
• Ensure a strong 1st line product risk culture
• Ensure good outcomes for customers through appropriate governance
• Build and empower a strong customer solution and performance driven team that is inclusive, ambitious and engaged 
• Ensure performance is monitored + growth ambitions and OKRs are tracked and met
• Create and maintain the Product Roadmap

• Proven extensive experience in a senior leadership role within Business/SME banking
• Track record of P&L management, delivering revenue growth, and launching new products safely
• Understanding of control and regulatory environments and experience of managing risk and compliance
• Customer orientation - excited and driven by the opportunity to better understand small businesses and their needs and building e2e journeys and solutions for them
• Experience of building and launching financial products
• Commercial acumen
• Strategic thinking and planning 
• Team leadership 
• Strong written and oral communication skills
• Drive for results
• Good understanding of modern technology platforms
• Team player - strong on stakeholder collaboration
• Decision making
• Communication Skills - Listening
• Drive for Results
• Diplomacy and emotional intelligence

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day's holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary & group income protection
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• 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) leasing

About Us

You may be put off applying for a role because you don't tick every box. Forget that! While we can't accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren't sure if you're 100% there yet, get in touch anyway.

We're on a mission to radically reshape banking - and that starts with our brilliant team. Whatever came before, we're proud to bring together people of all backgrounds and experiences who love working together to solve problems.

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.

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