At a Glance
- Tasks: Lead the strategy and performance of customer credit risk at Virgin Media O2.
- Company: Join Virgin Media O2, an inclusive employer committed to diversity.
- Benefits: Enjoy hybrid working, competitive salary, and strong career progression.
- Other info: Collaborative environment with opportunities for meaningful change.
- Why this job: Make a real impact on customer credit management and business growth.
- Qualifications: Experience in credit risk and proven leadership skills required.
The predicted salary is between 60000 - 80000 £ per year.
This job is with Virgin Media O₂, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.
Location: Hybrid & Flexible (UK-wide)
Lead the future of customer credit at Virgin Media O2. At Virgin Media O2, we're 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're looking for a Senior Manager - Existing Customer Credit Risk to lead the strategy, oversight, and performance of our existing customer credit portfolio. This is a high-impact leadership role with the opportunity to shape how we balance commercial success, risk management, and customer outcomes across our business.
What you'll be doing
- 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're 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're focused 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 employer: Virgin Media O₂
At Virgin Media O₂, we pride ourselves on being an inclusive employer that champions diversity and fosters a collaborative work culture. With a focus on employee growth and development, we offer robust career progression opportunities while empowering our teams to lead meaningful change in customer credit management. Our hybrid and flexible working model ensures that you can balance your professional and personal life, all while making a significant impact on millions of customers across the UK.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager – Existing Customer Credit Risk
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, especially those at Virgin Media O₂. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Prepare for the interview by researching the company culture and values. Virgin Media O₂ is all about inclusivity and customer focus, so be ready to share how your experience aligns with their mission.
✨Tip Number 3
Showcase your analytical skills during interviews. Bring examples of how you've used data to drive decisions in credit risk management. This will demonstrate your fit for the Senior Manager role.
✨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 serious about joining the team.
We think you need these skills to ace Senior Manager – Existing Customer Credit Risk
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 relevant achievements that show how you’ve made an impact in previous roles.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about customer credit 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 in these areas. Whether it's developing credit risk models or using data to drive decisions, we want to see how you can bring those skills 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 Virgin Media O₂
✨Know Your Numbers
As a Senior Manager in Existing Customer Credit Risk, you'll need to demonstrate your analytical prowess. Brush up on key metrics related to credit risk, portfolio performance, and bad debt forecasting. Be ready to discuss how you've used data to drive decisions in previous roles.
✨Showcase Leadership Skills
This role requires strong leadership capabilities. Prepare examples of how you've led teams, influenced stakeholders, and driven change in your previous positions. Highlight your experience in managing analytical teams and how you’ve inspired them to achieve results.
✨Understand the Regulatory Landscape
Familiarise yourself with consumer credit regulations and the FCA Consumer Duty. Be prepared to discuss how you've ensured compliance in past roles and how you would approach regulatory challenges at Virgin Media O2.
✨Connect with the Company’s Vision
Virgin Media O2 is all about redefining customer connections. Research their current strategies and be ready to share your thoughts on how you can contribute to their mission. Show that you’re not just looking for a job, but that you’re genuinely interested in making an impact.
