At a Glance
- Tasks: Lead the credit risk strategy for new customer acquisition across various services.
- Company: Join a dynamic team at Virgin Media O2, a leader in telecoms.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts on services.
- Other info: Flexible working arrangements with a focus on collaboration and inclusivity.
- Why this job: Make a real impact on customer outcomes while driving commercial growth.
- Qualifications: Experience in consumer credit risk management and strong leadership skills required.
The predicted salary is between 60000 - 80000 £ 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 - Credit Risk in Manchester employer: Virgin Media O2
At Virgin Media O2, we pride ourselves on being an exceptional employer that champions a flexible-first work culture, fostering collaboration and innovation. As a Senior Manager in Acquisition - Credit Risk, you'll benefit from comprehensive healthcare, generous holiday allowances, and unique perks like discounts on our services, all while contributing to a responsible lending strategy that prioritises customer outcomes. With a strong commitment to employee growth and development, you'll find ample opportunities to advance your career in a supportive environment that values diversity and inclusion.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager - Acquisition - 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. Show them you’re not just another candidate!
✨Tip Number 3
Practice your pitch! Be clear about your achievements and how they relate to the role. Use specific examples from your past experiences that demonstrate your expertise in credit risk management and leadership.
✨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 being part of our team at Virgin Media O2.
We think you need these skills to ace Senior Manager - Acquisition - Credit Risk in Manchester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Manager - Acquisition - Credit Risk. Highlight your experience in consumer credit risk management and any leadership roles you've held. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this high-impact role. Share specific examples of how you've balanced commercial growth with responsible lending in your previous positions.
Showcase Your Analytical Skills:Since this role involves overseeing acquisition credit policy and analytics, make sure to highlight your expertise in credit underwriting and decision engines. We love data-driven insights, so don’t hold back on sharing your achievements in this area!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensure it gets the attention it deserves. Plus, we can’t wait to hear from you!
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 is a senior role, so highlight your leadership experience managing credit risk or analytical teams. Prepare examples of how you've influenced stakeholders and led teams to achieve successful outcomes in high-pressure environments.
✨Understand Regulatory Requirements
Familiarise yourself with the regulatory landscape surrounding responsible lending and customer outcomes. Be prepared to discuss how you've translated complex regulations into practical policies and controls in your previous roles.
✨Data-Driven Decision Making
Since the role involves optimising approval rates through data-led insights, come equipped with examples of how you've used analytics and decision engines to improve credit performance. Show them you can combine strategic thinking with hands-on operational leadership.
