Product Manager – Credit Risk

Overview

As Credit Risk Product Manager, you own ENSEK’s end-to-end credit risk strategy across the full customer lifecycle, spanning acquisition, onboarding, in-life risk, collections and debt recovery. You’ll shape capabilities for B2C, B2B and I&C markets, balancing regulatory fit with commercial outcomes and customer experience. This autonomous role emphasizes data-driven decisions, cross-functional collaboration, and building AI-enabled risk solutions to reduce bad debt at scale.

Pay / Benefits

• 25 days’ holiday + bank holidays
• Option to buy or sell 5 extra annual leave days
• Vitality Health Insurance with private care and wellbeing perks
• Pension with 5% matched contribution
• Remote-first with offices in London and Nottingham
• Volunteering days

Responsibilities

• Define and evolve the credit risk product strategy, vision and roadmap across the customer lifecycle
• Prioritize initiatives for acquisition, in-life risk management and collections
• Translate FCA, Ofgem, ICO requirements into actionable deliverables
• Partner with engineering to scope, size and deliver scalable, data-driven capabilities
• Use data to define KPIs, dashboards and performance frameworks for continuous improvement
• Collaborate with clients and stakeholders to address real-world credit and collections challenges

Key requirements

• Proven Product Manager experience in SaaS, fintech, credit or utilities
• Track record delivering end-to-end credit risk or financial decisioning products
• Strong knowledge of credit lifecycle processes (acquisition, in-life management, collections)
• Understanding of collections risk tools and scorecards (debt scoring, propensity-to-pay, segmentation)
• Familiarity with regulatory frameworks (FCA, Ofgem, CRA data, GDPR)
• Data-driven with metrics, dashboards and experimentation
• Interest or experience in AI-driven credit decisioning and predictive analytics
• Ability to work autonomously and influence stakeholders

• Cross-functional collaboration
• Strategic influencing
• Analytical mindset
• Credit risk modelling and decisioning
• Debt scoring and propensity-to-pay methodologies
• Regulatory compliance knowledge (FCA, Ofgem, GDPR)

…