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- Tasks: Lead credit portfolio optimisation, balancing growth and profitability through data-driven decisions.
- Company: Currys is a leading tech recycler and repairer in the UK, committed to inclusion and diversity.
- Benefits: Enjoy hybrid working, ongoing training, and opportunities to shape your career while making a positive impact.
- Why this job: Join a dynamic team where your insights drive real change for customers and the planet.
- Qualifications: Experience in credit portfolio management, analytics, and strong communication skills are essential.
- Other info: Currys values every voice and offers support throughout the application process.
The predicted salary is between 43200 - 72000 £ per year.
This role will lead the P&L optimisation of Currys' embedded credit portfolio, ensuring we strike the right balance between lending growth and profitability. You will be the business expert on the risk vs. reward trade-offs that underpin credit decisions - spanning accept rate, pricing, product mix, credit risk, and supplier funding. Your work will guide how we structure credit offers, target customer groups, shape pricing and subsidy strategies, and respond to macroeconomic variables. You will develop a strong partnership with the wider business and our lending partner to ensure credit is fully optimized in the context of the wider business strategy. You will build the analytical engine and storytelling frameworks that help us understand performance, drive better decisions, and plan with confidence.
Role overview:
- Lead Portfolio Optimisation Across Key Risk/Reward Levers
- Develop clear and actionable analysis across the core credit profit levers:
- Accept rate and customer quality
- Product and promotional mix
- Pricing and subsidy strategy
- Credit risk appetite
- Supplier funding dynamics
- Create frameworks to evaluate and rebalance the portfolio in response to commercial opportunities, economic conditions, and performance trends.
- Work in partnership with lending partner(s) to ensure alignment and optimisation.
- Define and maintain profitability segmentation across:
- Sales channels (online, store, app)
- Product categories
- Customer types (new vs. repeat, engaged vs. dormant)
- Provide robust analysis to support Quarterly Business Reviews, helping shape:
- APR and promotional pricing strategies
- Supplier funding asks and negotiations
- Portfolio-level decisions around credit limit increases, engagement strategies, and interest-bearing mix.
- Build and embed a monthly credit portfolio pack that:
- Tracks optimisation against growth and profitability goals
- Identifies shifting dynamics in portfolio health
- Highlights actions across risk, pricing, mix, or supplier funding to improve returns.
- Lead development of a credit portfolio forecast that reflects:
- Lending growth
- Revenue generation (interest, fees, subsidy)
- Credit losses and risk exposure
- Macro drivers like interest rates or inflation.
Required Skills & Experience:
- Proven track record in credit portfolio management, analytics, commercial finance or pricing.
- Expertise in credit risk or embedded finance and understanding of how credit pricing, risk appetite, and promotions drive performance.
- Strategic mindset with strong attention to detail - able to zoom out to business trade-offs and zoom in on modelling accuracy.
- Strong communication and storytelling skills - able to influence decisions and simplify complexity.
- Proficiency in Excel, SQL, Power BI/Tableau (SAS or similar a bonus).
- Comfort working across Finance, Risk, Commercial and Data teams.
Why join us:
Join our team and we'll be with you every step of the way, helping you develop the career you want with new opportunities, on-going training and skills for life. Not only can you shape your own future, but you can help take charge of ours too. As the biggest recycler and repairer of tech in the UK, we're in a position to make a real impact on people and the planet. Every voice has a space at our table and we're committed to making inclusion and diversity part of everything we do, including how we strengthen our workforce. We want to make sure you have a fair opportunity to show us your talents during our application process, so if you need any additional assistance with your application please email careers@currys.co.uk and we'll do our best to help.
Senior Manager Credit Portfolio Optimisation employer: Currys
Contact Detail:
Currys Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Manager Credit Portfolio Optimisation
✨Tip Number 1
Familiarise yourself with the latest trends in credit portfolio management and analytics. Understanding how current economic conditions affect lending growth and profitability will give you an edge in discussions during interviews.
✨Tip Number 2
Network with professionals in the credit risk and embedded finance sectors. Engaging with industry experts can provide insights into best practices and may even lead to referrals that could help you land the job.
✨Tip Number 3
Prepare to discuss specific examples of how you've successfully balanced risk and reward in previous roles. Being able to articulate your experience with credit pricing strategies and portfolio optimisation will demonstrate your expertise.
✨Tip Number 4
Showcase your analytical skills by being ready to discuss tools like Excel, SQL, and Power BI. Highlighting your proficiency in these areas will reassure the hiring team of your capability to handle data-driven decision-making.
We think you need these skills to ace Senior Manager Credit Portfolio Optimisation
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit portfolio management, analytics, and commercial finance. Use specific examples that demonstrate your expertise in credit risk and pricing strategies.
Craft a Compelling Cover Letter: In your cover letter, explain why you are passionate about the role and how your skills align with Currys' goals. Emphasise your strategic mindset and ability to communicate complex ideas clearly.
Showcase Analytical Skills: Provide examples of how you've used data analysis to drive business decisions in previous roles. Mention any tools you are proficient in, such as Excel, SQL, or Power BI, to demonstrate your technical capabilities.
Highlight Collaboration Experience: Discuss your experience working across different teams, such as Finance, Risk, and Commercial. Showcase how you have built partnerships to achieve common goals, particularly in optimising credit portfolios.
How to prepare for a job interview at Currys
✨Understand the Role's Key Metrics
Familiarise yourself with the key performance indicators related to credit portfolio optimisation, such as accept rates, pricing strategies, and risk appetite. Be prepared to discuss how you would balance these metrics to drive profitability while supporting lending growth.
✨Showcase Your Analytical Skills
Demonstrate your proficiency in data analysis tools like Excel, SQL, or Power BI. Prepare examples of how you've used analytics to inform credit decisions or optimise portfolios in previous roles, highlighting your ability to translate complex data into actionable insights.
✨Prepare for Scenario-Based Questions
Expect questions that assess your strategic thinking and decision-making skills. Think about potential scenarios involving trade-offs between growth and profitability, and be ready to explain your thought process and the frameworks you would use to evaluate these situations.
✨Emphasise Communication and Storytelling
Since the role requires strong communication skills, practice articulating your ideas clearly and concisely. Prepare to discuss how you would present complex information to stakeholders, ensuring they understand the implications of credit decisions on the business.
