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, remote work, and team events.
- Other info: Autonomous role with excellent career growth and opportunities to influence strategic direction.
- Why this job: Make a real impact in the energy transition with cutting-edge technology and AI.
- 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 employer: ENSEK
At ENSEK, we pride ourselves on being an excellent employer by fostering a remote-first work culture that prioritises employee well-being and professional growth. Our commitment to security best practices is matched by our comprehensive benefits package, including health insurance and pension contributions, ensuring that our team members feel valued and supported in their roles. Join us to be part of a resilient team that encourages ownership and continuous improvement in the ever-evolving field of cybersecurity.
StudySmarter Expert Advice🤫
We think this is how you could land Product Manager - Credit Risk
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like ENSEK. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Product Manager - Credit Risk
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to ENSEK.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on ENSEK's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at ENSEK
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with ENSEK.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at ENSEK will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former ENSEK employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
