Head of FX and Travel Proposition

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 3,500 people across our London, Southampton, Cardiff and Manchester offices.

Reporting to the MD, Payments, FX and Cards as our Head of FX and Travel Proposition, you will beprimarily responsible for the end-to-end customer FX business. You'll own propositional design, drive innovation across the FX business (for retail and business customers) and take ownership and responsibility for growth / P&L delivery, regulatory compliance, partner selections, customer T&Cs, operational liaison and exception management.

Key Accountabilities:

• Define Starling’s customer FX strategy, ensuring the Bank meets and solves the growing needs of its SME and Retail customers, and does so in compliance with all relevant regulations
• Define currency and country / territory coverage across the FX proposition
• Work with Product to build out the Bank’s customer FX capabilities, covering currency accounts and send / request journeys, extending the feature set as necessary
• Own Starling Bank’s customer FX policy and regulatory controls, covering both Retail and SME customers. Set and control payment limits as necessary
• Track UK and international markets, including competitor propositions and pricing.  Stay on the pulse of relevant international FX innovation, especially in emerging markets e.g., application of Stablecoins, new white-label multi-currency platforms etc. 
• Set customer rates / fees, owning the overall FX P&L in collaboration with SME and Retail teams
• Collaborate with the Retail, SME and Marketing teams on go to market strategies and marketing / promotions
• Own delivery of customer satisfaction, fee income and volume related objectives
• Own Starling’s back-office / partnership strategy, evaluating partners and routes to market, creating sustainable commercial agreements
• Manage Starling’s FX partners to deliver on contractual SLAs and customer experience quality metrics
• Develop Starling’s broader Travel proposition, covering adjacent, relevant products that satisfy our customers’ travel needs
• Build and maintain relationships with key internal and external stakeholders to champion segment needs and opportunities and to deliver customer-focused solutions
• Ensure effective communication and alignment across teams to drive seamless execution of projects and initiatives.

• Experience in collaborating effectively across a variety of business areas and ability to interact effectively with all levels
• Act as a collaborative leader who generates strong followership and works in partnership with the rest of the Banking leadership team to share ideas and be a driving force for change. 
• Diplomacy and emotional intelligence to build strong professional relationships at all levels 
• Hands-on, resilient and adaptable to a fast moving environments
• Ability to communicate complex concepts and issues in a business-friendly manner to senior/executive management
• Ability to challenge and question thinking 
• Excellent verbal and written communication skills
• Enthusiasm for driving forward improvements with the tenacity to overcome any obstacles
• Consistently act with the highest ethical standards, ensuring decisions are always in the best interest of our customers, colleagues, and the bank. Lead by example, fostering a culture of trust and transparency across all levels
• A change agent who is energised to make a difference and comfortable dealing with ambiguity

• 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
• Incentives 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. 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.