At a Glance
- Tasks: Lead the credit risk strategy for new customer acquisition across various services.
- Company: Join Virgin Media O₂, a leader in telecoms with a commitment to equality.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts.
- Other info: Flexible hybrid working environment with a focus on personal development.
- Why this job: Shape the future of credit risk while driving commercial growth and responsible lending.
- Qualifications: Experience in consumer credit risk management and strong leadership skills required.
The predicted salary is between 70000 - 90000 £ per year.
Location UK flexible (hybrid)
Role Overview
As Senior Manager for Acquisition and Operational Credit Risk, you’ll shape and lead the end-to-end credit risk strategy for new customer acquisition across devices, airtime and fixed services including TV and broadband. This senior, high-impact role balances commercial growth with responsible lending, regulatory compliance and fair customer outcomes. You’ll set the risk direction for how we onboard customers at scale, ensuring credit decisions align to risk appetite, affordability standards and Consumer Duty expectations, while enabling sustainable growth across multiple products and channels.
Responsibilities
- Combine strategic ownership with hands‑on operational leadership.
- Lead teams responsible for acquisition credit policy, analytics, automated decisioning and manual underwriting.
- Oversee third‑party finance providers with robust governance.
- Translate regulatory requirements into practical policies and controls.
- Optimise approval rates and credit performance through data‑led insights.
- Ensure acquisition credit operations are efficient, scalable and well governed.
Qualifications
- Significant experience in consumer credit risk management within telecoms, financial services or a similar regulated environment.
- Strong expertise in credit underwriting, decision engines, scorecards and portfolio analytics.
- Proven leadership experience managing credit risk or analytical teams.
- Deep understanding of regulatory requirements, responsible lending and customer outcomes.
- Ability to influence senior stakeholders and translate complex analysis into clear recommendations.
- Experience working with third‑party lenders or broker distribution models.
- Background in high‑volume digital acquisition environments.
- Familiarity with credit bureau and alternative data sources.
- Exposure to machine learning or advanced analytics in credit risk.
Benefits
- Bupa healthcare, wellbeing support, life cover, a pension and generous holiday – plus your birthday off.
- Optional electric vehicle lease and Cycle2Work schemes, dental insurance, neurodiversity assessments, and discounts on broadband, TV and mobile.
- Access to the Virgin Family platform and the O₂ Priority app with exclusive rewards, experiences and events.
Equal Opportunities
Virgin Media O₂ is an equal opportunities employer and we work hard to remove bias and barriers. We want every person who joins us – and everyone thinking about joining us – to feel seen, heard and supported.
Senior Manager - Acquisition - Credit Risk in Birmingham employer: Virgin Media O2
At Virgin Media O₂, we pride ourselves on being an exceptional employer, offering a dynamic and inclusive work culture that fosters innovation and collaboration. Our flexible hybrid working model allows you to balance your professional and personal life while benefiting from comprehensive health and wellbeing support, generous holiday allowances, and unique perks like your birthday off. With a strong focus on employee growth and development, we empower our team members to thrive in their careers, making this an ideal place for those seeking meaningful and rewarding employment in the credit risk sector.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager - Acquisition - Credit Risk in Birmingham
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, especially those who work at Virgin Media O₂. A friendly chat can sometimes lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for the interview by diving deep into credit risk strategies and regulatory requirements. Brush up on your knowledge of consumer lending and be ready to discuss how you can balance commercial growth with responsible lending.
✨Tip Number 3
Showcase your leadership skills! Be prepared to share examples of how you've successfully managed teams and influenced stakeholders in previous roles. We want to see how you can lead the charge in acquisition credit policy.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in joining our team at Virgin Media O₂.
We think you need these skills to ace Senior Manager - Acquisition - Credit Risk in Birmingham
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your expertise in credit risk management and any relevant leadership roles you've held. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the Senior Manager role. Share specific examples of how you've successfully managed credit risk strategies in the past, and don’t forget to show your passion for responsible lending.
Showcase Your Analytical Skills:Since this role involves a lot of data-led insights, make sure to highlight your analytical skills. Talk about your experience with decision engines, scorecards, and any advanced analytics you've used in credit risk. We love numbers, so let them do the talking!
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 at StudySmarter!
How to prepare for a job interview at Virgin Media O2
✨Know Your Credit Risk Stuff
Make sure you brush up on your knowledge of consumer credit risk management, especially in telecoms or financial services. Be ready to discuss your experience with credit underwriting, decision engines, and how you've used data analytics to optimise credit performance.
✨Showcase Your Leadership Skills
This role is all about leading teams and influencing stakeholders. Prepare examples of how you've successfully managed credit risk or analytical teams in the past. Highlight your ability to translate complex analysis into clear recommendations that drive results.
✨Understand Regulatory Requirements
Familiarise yourself with the regulatory landscape surrounding responsible lending and customer outcomes. Be prepared to discuss how you've translated these requirements into practical policies and controls in your previous roles.
✨Be Data-Driven
Since this position involves optimising approval rates through data-led insights, come equipped with examples of how you've used data to inform credit decisions. If you have experience with machine learning or advanced analytics, make sure to mention it!
