At a Glance
- Tasks: Lead the credit risk strategy for customer acquisition across various services.
- Company: Join Virgin Media O2, a flexible-first and inclusive employer.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts.
- Other info: Flexible working arrangements with a focus on meaningful collaboration.
- Why this job: Make a real impact on responsible lending while driving commercial growth.
- Qualifications: Experience in consumer credit risk management and strong leadership skills.
The predicted salary is between 70000 - 90000 £ per year.
As Senior Manager for Acquisition and Operational Credit Risk, you’ll be accountable for shaping and leading the end-to-end credit risk strategy for new customer acquisition across devices, airtime and fixed services including TV and broadband. This is a senior, high-impact role where you’ll balance 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
- Set the risk direction for how we onboard customers at scale, ensuring credit decisions align to risk appetite, affordability standards and Consumer Duty expectations.
- Combine strategic ownership with hands‑on operational leadership, overseeing acquisition credit policy, analytics, automated decisioning and manual underwriting.
- Lead teams responsible for acquisition credit policy, analytics, automated decisioning and manual underwriting across retail, online, telesales and indirect partners.
- Oversee third‑party finance providers with robust governance and hold them accountable against agreed risk, conduct and customer outcome standards.
- 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, with clear oversight of resourcing, costs and service delivery.
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 (nice to have).
- Background in high‑volume digital acquisition environments (nice to have).
- Familiarity with credit bureau and alternative data sources (nice to have).
- Exposure to machine learning or advanced analytics in credit risk (nice to have).
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 and neurodiversity assessments.
- Brilliant discounts on broadband, TV and mobile.
- Access to the Virgin Family platform and the O₂ Priority app, with exclusive rewards, experiences and opportunities to attend events.
- Supportive learning and development networks to help you feel connected from day one.
Working arrangements
We’re a flexible‑first organisation. You’re expected to spend at least eight days a month connecting with each other in person, through team meetings, offsites, volunteering days, cross‑functional projects or away days. The focus is on meaningful collaboration that benefits everyone.
Equality and diversity
Virgin Media O 2 is an equal opportunities employer. We work hard to remove bias and barriers so that every person who joins us – and anyone thinking about joining us – feels seen, heard and supported.
Senior Manager - Acquisition and Operational Oversight - Credit Risk in Manchester employer: Virgin Media O2
At Virgin Media O2, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters collaboration and innovation. As a Senior Manager in Acquisition and Operational Credit Risk, you will benefit from comprehensive healthcare, generous holiday allowances, and a commitment to your professional growth through supportive learning networks. Our flexible-first approach ensures a healthy work-life balance, while our dedication to equality and diversity creates an inclusive environment where every voice is valued.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager - Acquisition and Operational Oversight - Credit Risk in Manchester
✨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 strategy and be ready to discuss how your experience aligns with their goals. We want to see that you’re genuinely interested!
✨Tip Number 3
Showcase your skills through real-life examples. When discussing your experience, highlight specific projects where you’ve successfully managed credit risk or improved processes. This will help us see your impact in action.
✨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 serious about joining our team and contributing to our mission.
We think you need these skills to ace Senior Manager - Acquisition and Operational Oversight - Credit Risk in Manchester
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter to highlight your experience in consumer credit risk management. We want to see how your skills align with the role, so don’t hold back on showcasing your expertise in credit underwriting and analytics!
Showcase Leadership Experience:Since this is a senior role, it’s crucial to emphasise your leadership experience. Share specific examples of how you've managed teams or projects in the past, especially in high-volume digital acquisition environments. We love seeing how you’ve influenced others!
Be Clear and Concise:When writing your application, keep it clear and to the point. Use straightforward language to explain complex concepts, especially around regulatory requirements and customer outcomes. We appreciate clarity as much as you do!
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about what we do 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 how you've shaped credit strategies in the past and how you can apply that experience to this role.
✨Showcase Your Leadership Skills
This role requires strong leadership, so prepare examples of how you've successfully managed teams in credit risk or analytics. Highlight your ability to influence senior stakeholders and translate complex data into actionable insights.
✨Understand Regulatory Requirements
Familiarise yourself with the regulatory landscape surrounding credit risk and responsible lending. Be prepared to discuss how you've implemented policies that align with these regulations while still driving commercial growth.
✨Be Data-Driven
Since the role involves optimising approval rates and credit performance through data-led insights, come equipped with examples of how you've used data analytics to improve credit decisioning processes. Show them you can think strategically while being hands-on!
