Yuki O.
About Yuki O.
Yuki O. is the Head of Credit Risk Analytics at Starling Bank, specializing in SME, retail, and mortgage sectors. With a strong background in credit risk management and analytics, Yuki has held key positions at several major financial institutions, including Barclays and HSBC.
Current Role at Starling Bank
Yuki O. serves as the Head of Credit Risk Analytics for SME, Retail, and Mortgages at Starling Bank. In this role, Yuki is responsible for overseeing automated lending and risk decisioning strategies, which include managing affordability and arrears performance. Yuki has been with Starling Bank since 2023 and has focused on enhancing the analytical capabilities to understand client behavior across various financial products.
Previous Experience in Credit Risk Management
Yuki O. has extensive experience in credit risk management, having held several key positions at Barclays. From 2020 to 2023, Yuki was the Director and Head of Acquisitions & Portfolio Management in the Credit Risk Business Banking division. Prior to that, Yuki served as VP Head of Portfolio Management from 2016 to 2020, and as VP Senior Credit Risk Manager for Barclaycard from 2015 to 2016. These roles involved leading credit risk initiatives and managing portfolio strategies.
Analytical Background and Transition to Python/GCP
Yuki O. began their career in analytics with roles at HSBC and Experian, where they worked as an Analyst. At Experian, Yuki led the transition from SQL/SAS to Python/GCP based solutions in the credit risk analytics domain. This shift aimed to enhance the efficiency and effectiveness of credit risk analysis, demonstrating Yuki's commitment to adopting advanced analytical tools.
Educational Qualifications
Yuki O. holds a PhD in Theoretical and Mathematical Physics from The University of Manchester. Additionally, Yuki achieved a first-class MMath degree in Mathematics from the same institution. This strong academic background in mathematics and physics provides a solid foundation for Yuki's analytical work in credit risk management.
Contributions to Credit Risk Analytics
In previous roles, Yuki O. has contributed significantly to the development of credit risk portfolio management principles. Yuki has implemented second line of defense (2LOD) strategies, including risk committee reporting and analytics. This work has increased the analytical sophistication required to understand client behavior across Retail, SME, and Mortgage facilities, ensuring robust risk management practices.