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 various positions in leading financial institutions, including Barclays and HSBC.
Work at Starling Bank
Currently, Yuki O. serves as the Head of Credit Risk Analytics for SME, Retail, and Mortgages at Starling Bank. In this role, which began in 2023, Yuki is responsible for overseeing automated lending and risk decisioning strategies. This includes managing affordability assessments and monitoring arrears performance. Yuki's position involves handling PRA regulatory submissions and conducting thematic deep-dives within the credit risk sector. The focus is on enhancing analytical sophistication to better understand client behavior across various financial products.
Previous Experience at Barclays
Yuki O. has extensive experience at Barclays, where they held multiple roles over several years. From 2020 to 2023, Yuki was the Director and Head of Acquisitions & Portfolio Management in the Credit Risk Business Banking division. Prior to this, Yuki served as Vice President and Head of Portfolio Management for Credit Risk Business Banking from 2016 to 2020. Additionally, Yuki was a Senior Credit Risk Manager for Barclaycard from 2015 to 2016. These roles contributed to Yuki's expertise in credit risk management and portfolio oversight.
Career Background in Credit Risk and Analytics
Yuki O. has built a career in credit risk and analytics, starting as an Analyst at HSBC from 2010 to 2011 and later at Experian from 2012 to 2013. Yuki's experience spans various sectors, including a role as a Mathematician at BAE Systems from 2009 to 2011. This diverse background has equipped Yuki with a strong foundation in analytical methodologies and risk management principles, which are essential in the financial services industry.
Educational Qualifications
Yuki O. holds a first-class MMath degree in Mathematics from The University of Manchester, which was completed as a four-year program. Additionally, Yuki earned a PhD in Theoretical and Mathematical Physics from the same institution. This strong academic background in mathematics and physics underpins Yuki's analytical capabilities and expertise in credit risk analytics.
Achievements in Credit Risk Analytics
Throughout their career, Yuki O. has led significant advancements in credit risk analytics. Notably, Yuki facilitated the transition from traditional SQL/SAS methodologies to modern Python/GCP-based solutions, enhancing the analytical processes within the credit risk domain. Yuki has also developed fundamental credit risk portfolio management principles, including the establishment of risk committee reporting and analytics, contributing to the second line of defense (2LOD) in credit risk management.