At a Glance
- Tasks: Lead credit risk strategy and performance for existing customers at Virgin Media O₂.
- Company: Join Virgin Media O₂, a top employer known for connectivity and innovation.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts on services.
- Other info: Flexible working environment with strong focus on diversity and inclusion.
- Why this job: Shape the future of credit risk while making a real impact on customer outcomes.
- Qualifications: Significant experience in credit risk and proven leadership skills required.
The predicted salary is between 60000 - 80000 £ per year.
This is a senior leadership role with real breadth and influence, shaping how Virgin Media O₂ manages credit risk for its existing customers. You will own the strategy and performance of a significant customer credit portfolio, balancing sustainable growth with fair, responsible customer outcomes while protecting the long-term financial health of the business. You will lead end-to-end credit risk oversight across products, brands and channels, using data, insight and strong commercial judgement to guide decision-making. Working closely with senior stakeholders across Commercial, Product, Finance and Operations, you will translate portfolio performance into clear financial outcomes, strengthen governance with third-party partners and build a high-performing analytical team that drives continuous improvement.
We’re a flexible-first organisation, because we know people do their best work when they have choice and clarity. To support meaningful collaboration, we ask everyone to spend at least eight days a month connecting with each other in person. That doesn’t just mean time in the office – it could be team meetings, offsites, volunteering days, cross-functional projects, or away days. What matters is making those moments count – so when we come together, it benefits everyone.
We believe a better tomorrow starts with the choices we make today. That means moving the dial on diversity, building equity into everything we do and putting inclusion at the heart of our business. 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.
Must Haves- Significant experience in credit risk, consumer credit or financial risk management
- Proven leadership experience managing analytical or risk teams
- Strong understanding of credit lifecycle management, affordability and portfolio monitoring
- Experience linking portfolio performance and bad debt outcomes to financial impact
- Expertise working within regulated consumer credit environments
- Experience in telecoms or financial services
- Background in developing or enhancing credit risk models and decisioning frameworks
- Experience overseeing third-party brokers or partners
- Strong scenario and sensitivity analysis capability
- Track record of influencing senior stakeholders across complex organisations
We know life isn’t just about work, so our benefits are built to support you in the moments that matter. You’ll get Bupa healthcare, wellbeing support, life cover, a pension and generous holiday – plus your birthday off. And there’s more. Enjoy some extra perks on us, with optional electric vehicle lease and Cycle2Work schemes, dental insurance, neurodiversity assessments, and brilliant discounts on broadband, TV and mobile.
If this feels like a place where you can belong, we’d love to see what you can do. Once you apply, the next steps might include a call with a recruiter, a video interview, an interview with the hiring manager and a task or assessment. We’ll also ask about any adjustments you might need, and we’ll do our best to make them happen.
Senior Manager – Existing Customer Credit Risk in Glasgow employer: Virgin Media O2
At Virgin Media O₂, we pride ourselves on being a flexible-first employer that values employee well-being and growth. With a strong commitment to diversity and inclusion, our award-winning employee network groups foster a supportive environment where every voice is heard. Enjoy a comprehensive benefits package, including healthcare, generous holiday, and unique perks, all while working in a dynamic role that shapes the future of credit risk management across the UK.
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 your connections in the industry, especially those who work at Virgin Media O₂. A friendly chat can open doors and give you insider info on the company culture and what they’re really looking for.
✨Tip Number 2
Prepare for those interviews! Research common questions for senior management roles in credit risk and practice your answers. Use real examples from your experience to showcase your leadership skills and how you've driven results in previous roles.
✨Tip Number 3
Showcase your analytical prowess! Be ready to discuss how you've used data to influence decision-making in past roles. Highlight any successful strategies you've implemented that improved portfolio performance or reduced bad debt outcomes.
✨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 Virgin Media O₂ family.
We think you need these skills to ace Senior Manager – Existing Customer Credit Risk in Glasgow
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter to highlight your experience in credit risk and leadership. We want to see how your skills align with the role, so don’t hold back on showcasing your achievements!
Showcase Your Analytical Skills:Since this role involves managing an analytical team, it’s crucial to demonstrate your analytical prowess. Include examples of how you've used data to drive decision-making and improve outcomes in previous roles.
Be Clear and Concise:When writing your application, keep it straightforward. Use clear language and avoid jargon where possible. We appreciate a well-structured application that gets straight to the point!
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’s super easy to do!
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 credit risk management, especially in consumer credit. Be ready to discuss how you've managed portfolios and linked performance to financial outcomes. This role is all about using data and insight, so be prepared to share specific examples from your past experience.
✨Showcase Your Leadership Skills
As a Senior Manager, you'll need to demonstrate your leadership capabilities. Think of instances where you've successfully led analytical teams or influenced senior stakeholders. Highlight your approach to building high-performing teams and driving continuous improvement in credit risk oversight.
✨Understand the Business Landscape
Familiarise yourself with Virgin Media O₂'s business model and how it relates to credit risk. Be ready to discuss how you can balance sustainable growth with fair customer outcomes. Showing that you understand the company's goals will set you apart from other candidates.
✨Prepare for Scenario Questions
Expect questions that assess your ability to handle real-world scenarios in credit risk management. Prepare to discuss how you'd approach scenario and sensitivity analysis, especially in regulated environments. This will showcase your analytical skills and commercial judgement, which are crucial for this role.
