At a Glance
- Tasks: Lead the credit risk product strategy and enhance customer experience through innovative solutions.
- Company: Join ENSEK, a cloud-native SaaS company transforming the energy retail sector.
- Benefits: Enjoy 25 days holiday, health insurance, and a remote-first work culture.
- Other info: Autonomous role with excellent career growth and opportunities to influence strategic decisions.
- Why this job: Make a real impact in the energy transition while working with cutting-edge technology.
- Qualifications: Experience in SaaS product management, especially in fintech or utilities.
The predicted salary is between 60000 - 80000 € per year.
About ENSEK
ENSEK builds the cloud‑native SaaS software that’s transforming how energy retailers operate, innovate and manage at scale. We help retailers lower operating costs, improve billing accuracy for consumers, and enhance customer experience through automation and AI‑driven insight, all underpinned by modern, cloud‑native architecture. ENSEK is at an exciting inflection point as we scale at pace towards new international horizons. If you’re driven by solving complex, real‑world problems and want to build modern technology that accelerates the global energy transition, you’ll feel right at home with us.
About the role
Reporting to the Head of Payments, Risk and Collections, the Credit Risk Product Manager owns ENSEK’s end-to-end credit risk product strategy across acquisition, onboarding, in-life risk management, collections and debt recovery. You will shape and deliver credit risk capabilities across B2C, B2B and I&C markets, balancing regulatory compliance, commercial outcomes and customer experience while partnering closely with engineering, commercial, design and client teams. This is a highly autonomous product role where you will make data-driven decisions, influence strategic direction and help energy suppliers reduce bad debt exposure through modern SaaS and AI-enabled risk capabilities.
Key responsibilities:
- Own and evolve the credit risk product strategy, vision and roadmap across the full customer lifecycle
- Define and prioritise initiatives spanning acquisition, in-life risk management and collections strategies
- Translate complex regulatory requirements (FCA, Ofgem, ICO) into clear, actionable product deliverables
- Partner with engineering to scope, size and deliver scalable, data-driven capabilities
- Use data to define KPIs, dashboards and performance frameworks, driving continuous improvement
- Collaborate with clients and stakeholders to ensure the product addresses real-world credit and collections challenges
Key outcomes:
- Increased adoption and measurable client outcomes across the credit risk product suite
- Reduced bad debt exposure through improved credit decisioning
- Delivery of roadmap initiatives with clear commercial value and impact
- Strong stakeholder engagement and high-quality, data-driven decision making
- Ongoing regulatory compliance across credit risk, collections and data usage
Experience required:
- Proven experience as a Product Manager in SaaS, ideally in fintech, credit or utilities
- Track record delivering credit risk or financial decisioning products end-to-end
- Strong understanding of credit lifecycle processes (acquisition, in-life management, collections)
- Deep knowledge of collections-stage credit risk utilisation, including debt scoring, propensity-to-pay modelling, Gini curves, retro analysis, performance tracking, scorecards, segmentation strategies, and working with DCAs
- Strong understanding of regulatory frameworks (FCA, Ofgem, CRA data, GDPR)
- Data-led mindset with experience defining metrics, dashboards and experimentation approaches
- Passion for and experience in AI-driven credit decisioning, leveraging AI-powered platforms, bureau data enrichment tools and predictive analytics to improve model accuracy and accelerate insight generation
- Ability to work autonomously, influence stakeholders and drive product decisions at pace
Company Benefits
- 25 days’ holiday + bank holidays
- Option to buy or sell 5 extra annual leave days per year
- Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships - Virgin Active, Nuffield, PureGym)
- Pension with 5% matched contribution
- Regular team‑wide and company‑wide events
- 2 volunteering days per year to give back
- Remote‑first working environment with offices in London and Nottingham
Product Manager - Credit Risk in Nottingham employer: ENSEK
ENSEK is an exceptional employer that champions innovation and collaboration in the energy sector, offering a dynamic work culture where employees can thrive. With a remote-first approach and offices in London and Nottingham, we provide generous benefits including 25 days of holiday, health insurance, and opportunities for personal growth through volunteering. Join us to make a meaningful impact in transforming energy retail while enjoying a supportive environment that values your contributions.
StudySmarter Expert Advice🤫
We think this is how you could land Product Manager - Credit Risk in Nottingham
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at ENSEK. A friendly chat can open doors that applications alone can't.
✨Tip Number 2
Prepare for interviews by diving deep into credit risk and SaaS trends. Show us you know your stuff and can talk about how you’d tackle real-world challenges in the role.
✨Tip Number 3
Don’t just apply; engage with our content online! Comment on our posts or share insights related to credit risk. It shows initiative and helps you stand out.
✨Tip Number 4
Follow up after interviews with a thank-you note. Mention something specific from your conversation to remind us why you’re the perfect fit for the Credit Risk Product Manager role.
We think you need these skills to ace Product Manager - Credit Risk in Nottingham
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that align with the Product Manager role. Highlight your experience in SaaS, credit risk, and any relevant regulatory knowledge to catch our eye!
Craft a Compelling Cover Letter:Use your cover letter to tell us why you’re passionate about credit risk and how your background makes you a perfect fit for ENSEK. Be genuine and let your personality shine through!
Showcase Your Data Skills:Since this role is all about data-driven decision making, don’t forget to mention specific examples of how you've used data to influence product strategies or improve outcomes in your previous roles.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role without any hiccups!
How to prepare for a job interview at ENSEK
✨Know Your Product Inside Out
Before the interview, dive deep into ENSEK's credit risk product strategy and understand how it fits within the broader SaaS landscape. Familiarise yourself with their approach to regulatory compliance and customer experience, as this will show your genuine interest and readiness to contribute.
✨Showcase Your Data-Driven Mindset
Prepare to discuss specific examples where you've used data to drive decisions in previous roles. Highlight your experience with KPIs, dashboards, and performance tracking, as these are crucial for the role. Be ready to explain how you can leverage data to improve credit decisioning at ENSEK.
✨Understand Regulatory Frameworks
Brush up on your knowledge of relevant regulations like FCA, Ofgem, and GDPR. Be prepared to discuss how you’ve navigated these frameworks in past projects and how you would ensure ongoing compliance in your role as a Product Manager.
✨Demonstrate Collaboration Skills
Since this role involves working closely with engineering, commercial, and design teams, think of examples that showcase your ability to collaborate effectively. Discuss how you’ve influenced stakeholders and driven product decisions in a cross-functional environment.
