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United Kingdom
Job Family
Corporate Functions
Job Type
Full Time
Posted Date
Ref #

Location - Hybrid working, Nationwide

The Senior Credit Risk Manager is responsible for managing Consumer Credit Risk across VMO2. Influencing the development of the VMO2 Credit Risk Strategy. Ensuring close performance monitoring across the VMO2 Consumer Credit portfolio, informing the design, implementation and strategies/policies that carefully balance risk and reward. Ensuring robust oversight to mitigate and manage emerging risks/trends in portfolio. New and in-life.

Some of the responsibilities will include;

  • Develop and implement Credit risk policies to maximise acquisitions in line with company strategy.
  • Ensure robust MI/Datasets which predict and report on the Credit Risk exposure to VMO2 and ability to report performance back to the Head of Credit Risk
  • Responsible for ensuring the acquisition strategy delivers expected modelled results, in conjunction with the appropriate analytical/insights people/teams.
  • Responsible for Bad Debt monitoring, ensuring default rates do not exceed VMO2s Risk Appetite.
  • Ensure regular statistical performance reviews to ensure strategy and scorecard optimisation
  • Conduct reviews to communicate performance from both a credit strategy and churn perspective to stakeholders
Who we are

The UK’s fastest broadband network. The nation’s best-loved mobile brand. And, one of the UK's biggest companies too.

Diverse, high performing teams - jam packed with serious talent. Together, we offer the UK more choice and better value, through our boundary-pushing, customer-championing values and ambitions.

Together, we are Virgin Media O2, and we can't wait to see what you can do.

Accessible, inclusive and equitable for all

Virgin Media O2 is an equal opportunities employer and we're working hard to remove bias and barriers for our people and candidates. So, we build equity and inclusion into everything we do, from the policies we craft to the relationships we shape. We support and encourage you to be your authentic self throughout your application journey with us.

The must haves

In order to be considered, you must have the following experience;

  • Regulated consumer credit experience
  • Data analysis experience
  • Problem solving aptitude whilst being an excellent team player
  • Effective communicator, with the ability to influence and a strong attention to detail
  • Understand customer decisioning data to create meaningful analysis
The other stuff we are looking for

We'd also love you to bring;

  • Agile working exposure
  • Decisioning systems exposure
  • Telecommunications background and/or retail finance
  • Exposure of working with large data sets
  • Numerical/statistical background
What's in it for you

Our goal is to celebrate our people, their lives and everything in-between. We aim to create a culture that empowers everyone to bring the best versions of themselves to work each and every day. We believe the most inclusive and diverse culture makes for a better business and a brighter world.

Working at Virgin Media O2, you get a bumper reward package bursting with benefits, and loads of extras you can add if you’d like to. These are designed to support both you and your loved ones, making sure that you’re covered no matter what life throws your way.

Next steps

If we feel like a place where you can belong, we'd love to learn more about you as a person and your experience to date. Once you've submitted an application the next steps of the process, if successful, are likely to include communication from the recruiter.

When you apply, you'll be asked about any adjustments you might need to support the recruitment process. Let us know, and we'll be sure to discuss it with you. Thanks for your patience in the meantime and for showing an interest in joining the Virgin Media O2 family.

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