Senior Manager – Existing Customer Credit Risk

Senior Manager – Existing Customer Credit Risk

Location:

Glasgow, London, Manchester, Reading, United Kingdom

Job Type: Full Time

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.

• 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

• 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

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 Cycle2

Work 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.

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.