At a Glance
- Tasks: Lead the strategy and performance of our existing customer credit portfolio.
- Company: Join Virgin Media O2, a leader in connecting people to what matters.
- Benefits: Hybrid work, strong career progression, and the chance to make a real impact.
- Other info: Collaborative environment with opportunities for meaningful change.
- 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.
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 in London employer: Virgin Media O2
At Virgin Media O2, we pride ourselves on being an exceptional employer that champions innovation and collaboration. Our hybrid work model offers flexibility while fostering a culture of inclusivity and growth, empowering employees to thrive in their careers. With a strong focus on customer-centric outcomes and meaningful change, you'll have the opportunity to lead impactful initiatives that shape the future of credit risk management across our diverse portfolio.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager – Existing Customer Credit Risk in London
✨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 values and how they align with your own. This will help you tailor your responses and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or use online resources to refine your answers. Focus on articulating your experience in credit risk and how it relates to the role at Virgin Media O2.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Senior Manager – Existing Customer Credit Risk in London
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. Share specific examples of how you've used data to inform decisions or improve portfolio performance.
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 Credit Risk Stuff
Make sure you brush up on your knowledge of credit risk management, especially in the telecoms or financial services sectors. Be ready to discuss specific strategies you've implemented in the past and how they led to positive outcomes for customers and the business.
✨Showcase Your Leadership Skills
As a Senior Manager, you'll need to demonstrate your ability to lead and inspire a team. Prepare examples of how you've developed high-performing teams in the past, focusing on your approach to mentoring and building capability within your team.
✨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 inform decision-making. Bring examples of how you've monitored portfolio health and identified risk trends, and be ready to discuss the tools and models you've developed.
✨Stakeholder Management is Key
You'll need to influence decisions across various teams, so think about your experience with stakeholder management. Prepare to share stories that highlight your ability to communicate effectively with senior leaders and align different departments towards common goals.
