At a Glance
- Tasks: Lead the strategy and performance of customer credit risk at Virgin Media O2.
- Company: Join a forward-thinking team at Virgin Media O2, redefining customer connections.
- Benefits: Enjoy hybrid work, strong career progression, and the chance to make a real impact.
- Other info: Collaborative environment with opportunities for personal and professional development.
- Why this job: Shape critical strategies that balance growth, risk, and customer protection.
- Qualifications: Experience in credit risk management and proven leadership skills required.
The predicted salary is between 70000 - 90000 £ per year.
Location: Hybrid & Flexible (UK-wide)
Lead the future of customer credit at Virgin Media O2. At Virgin Media O2, we are redefining how we connect people to what matters most. As we continue to evolve our digital and customer experience, Credit Risk plays a critical role in enabling sustainable growth while protecting our customers. We are looking for a Senior Manager - Existing Customer Credit Risk to lead the strategy, oversight, and performance of our existing customer credit portfolio. This high-impact leadership role offers the opportunity to shape how we balance commercial success, risk management, and customer outcomes across our business.
What you’ll be doing
- As a senior leader within Credit Risk, you will take ownership of our existing customer credit strategy and lifecycle, ensuring we deliver strong financial performance while maintaining fair and responsible outcomes.
- Define and evolve the Existing Customer Credit Risk strategy and policy.
- Provide end-to-end oversight of the customer credit lifecycle across products, brands and channels.
- Lead portfolio performance and bad debt forecasting, translating insights into financial and commercial outcomes.
- Use data and analytics to monitor portfolio health, identify risk trends, and inform strategic decision-making.
- Oversee third-party broker and partner performance, ensuring robust governance and alignment to risk appetite.
- Act as a senior business partner, influencing decisions across commercial, product and operational teams.
- Lead, develop and inspire a high-performing team of analysts, building capability and delivering results.
Key responsibilities
- Drive forward a joined-up single customer view, using internal and external data to understand exposure and opportunity.
- Ensure compliance with consumer credit regulation, responsible lending requirements and FCA Consumer Duty.
- Develop and enhance credit risk models, decisioning frameworks and portfolio monitoring tools.
- Provide scenario and sensitivity analysis to support strategic and financial planning.
- Partner across channels to embed risk insight into customer journeys and proposition design.
- Identify early warning indicators of risk and implement actions to protect both customers and the business.
What we’re looking for
- We are seeking a commercially minded leader with strong analytical expertise and a passion for delivering customer-centric outcomes.
- Significant experience in credit risk, consumer credit or financial risk management.
- Proven leadership experience managing analytical or risk teams.
- Strong understanding of affordability, portfolio monitoring and credit lifecycle management.
- Experience linking portfolio performance and bad debt outcomes to financial impact.
- Expertise in working with third-party partners within regulated environments.
- Confident stakeholder management, with the ability to influence at senior level.
- Experience in telecoms or financial services is advantageous.
Why join us?
- Shape the strategy and performance of a critical customer-facing credit portfolio.
- Play a key role in balancing growth, risk and customer protection.
- Gain high visibility across Credit Risk, Finance and Operations.
- Lead meaningful change with real impact on customers and the business.
- Work in a collaborative, forward-thinking environment with strong career progression opportunities.
Location & flexibility
This role is hybrid and flexibly located across the UK. We focus on outcomes, not office presence, with occasional travel aligned to business needs.
Ready to make your mark? If you’re ready to take ownership of a high-profile portfolio and influence how millions of customers access and manage credit, we’d love to hear from you.
Senior Manager – Existing Customer Credit Risk in Glasgow employer: myGwork - LGBTQ+ Business Community
At Virgin Media O2, we pride ourselves on being an exceptional employer that champions innovation and customer-centricity. Our hybrid and flexible work culture empowers employees to thrive while balancing personal and professional commitments, offering robust career progression opportunities in a collaborative environment. Join us to lead impactful change in customer credit risk management, where your expertise will directly influence the financial health of our business and enhance customer experiences across the UK.
Contact Details:
myGwork - LGBTQ+ Business Community Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager – Existing Customer Credit Risk in Glasgow
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their credit risk strategies and think about how your experience aligns with their goals. This will help you stand out as a candidate who truly gets what they’re about.
✨Tip Number 3
Showcase your analytical skills during interviews. Be ready to discuss specific examples of how you've used data to drive decisions in credit risk management. This will demonstrate your expertise and ability to contribute to their team.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining the team at Virgin Media O2.
We think you need these skills to ace Senior Manager – Existing Customer Credit Risk in Glasgow
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Manager - Existing Customer Credit Risk. Highlight your experience in credit risk and leadership, and don’t forget to sprinkle in some examples of how you've driven customer-centric outcomes.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you’re passionate about credit risk and how your skills align with our mission at Virgin Media O2. Be genuine and let your personality come through!
Showcase Your Analytical Skills:Since this role involves a lot of data and analytics, make sure to highlight any relevant experience you have. Whether it's developing credit risk models or using data to inform decisions, we want to see how you can bring that expertise to our team.
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. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at myGwork - LGBTQ+ Business Community
✨Know Your Credit Risk Stuff
Make sure you brush up on the latest trends in credit risk management, especially in telecoms or financial services. Be ready to discuss how your experience aligns with Virgin Media O2's focus on balancing commercial success and customer outcomes.
✨Showcase Your Leadership Skills
Prepare examples that highlight your leadership experience, particularly in managing analytical teams. Think about times when you've inspired your team to achieve results or influenced senior stakeholders – these stories will resonate well.
✨Data is Your Best Friend
Since this role involves a lot of data analysis, be prepared to talk about how you've used data to drive decision-making in the past. Bring specific examples of how you've monitored portfolio health or identified risk trends to support your strategies.
✨Understand the Regulatory Landscape
Familiarise yourself with consumer credit regulations and the FCA Consumer Duty. Being able to discuss how you ensure compliance while still driving performance will show that you’re not just a numbers person but also a responsible leader.
