At a Glance
- Tasks: Lead credit risk strategy and performance for existing customers at Virgin Media O2.
- Company: Join a dynamic team at Virgin Media O2, a leader in telecoms.
- Benefits: Enjoy Bupa healthcare, generous holiday, and exclusive discounts.
- Other info: Be part of an inclusive workplace that values diversity.
- Why this job: Shape financial outcomes while promoting fair customer experiences.
- Qualifications: Significant experience in credit risk and proven leadership skills.
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.
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
Nice to Haves
- 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
Benefits
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 coverage, a pension, 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. You'll even get access to the Virgin Family platform and the O2 Priority app, with exclusive rewards, experiences and chances to attend events at The O2 and beyond.
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 – Existing Customer Credit Risk in Reading 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. Our commitment to employee growth is evident through comprehensive benefits, including Bupa healthcare, generous holiday allowances, and unique perks like electric vehicle leasing and exclusive discounts. With a focus on inclusivity and support, we ensure that every team member feels valued and empowered to make a meaningful impact in their role, particularly in shaping the future of credit risk management across our diverse customer portfolio.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Manager – Existing Customer Credit Risk in Reading
✨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 the interview by diving deep into credit risk management trends. We want you to showcase your expertise and how it aligns with the role. Bring real examples of how you've influenced outcomes in previous positions.
✨Tip Number 3
Don’t just wait for the job to come to you! Apply through our website and keep an eye on new openings. The more proactive you are, the better your chances of landing that senior manager role.
✨Tip Number 4
Showcase your leadership skills during the interview. Talk about how you've built high-performing teams and improved processes. We love candidates who can inspire others and drive continuous improvement!
We think you need these skills to ace Senior Manager – Existing Customer Credit Risk in Reading
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Manager role. Highlight your experience in credit risk and leadership, and don’t forget to showcase any relevant achievements that align with our needs at Virgin Media O2.
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 role. Mention specific examples of how you've managed credit portfolios and influenced stakeholders in the past.
Showcase Your Analytical Skills:Since this role involves leading an analytical team, make sure to highlight your analytical skills and experience with credit lifecycle management. We want to see how you’ve used data to drive decision-making in previous roles.
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!
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 successfully managed portfolios and linked performance to financial outcomes. This will show that you understand the role's requirements and can hit the ground running.
✨Showcase Your Leadership Skills
Prepare examples of how you've led analytical or risk teams in the past. Highlight your ability to influence senior stakeholders and drive continuous improvement. This is a senior role, so demonstrating your leadership experience will be key to making a strong impression.
✨Understand the Business Context
Familiarise yourself with Virgin Media O2’s business model and how credit risk fits into their overall strategy. Being able to connect your expertise in credit lifecycle management to their goals will show that you're not just a technical expert but also a strategic thinker.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that test your analytical skills and decision-making capabilities. Think about past experiences where you've had to conduct sensitivity analysis or manage third-party relationships, and be ready to discuss how you approached those challenges.
