Senior Manager – Existing Customer Credit Risk

Overview

In this senior leadership role you will own the strategy and performance of a large existing customer credit portfolio, balancing growth with responsible outcomes. You will oversee cross-product, cross-brand, and cross-channel credit risk, using data-driven insight to guide decisions and improve outcomes. The position involves partnering with senior stakeholders to translate portfolio performance into financial results, strengthen governance with third parties, and build a high-performing analytics team. This is a chance to shape credit risk practices at a major UK telecoms company and contribute to its financial health, resilience, and customer trust.

Pay / Benefits

• Bupa healthcare
• wellbeing support
• life cover
• pension
• generous holiday
• birthday off

Responsibilities

• Own strategy and performance of a significant existing customer credit portfolio
• Lead end-to-end credit risk oversight across products, brands and channels
• Use data, insight and commercial judgement to guide decision-making
• Collaborate with senior stakeholders across Commercial, Product, Finance and Operations
• Translate portfolio performance into clear financial outcomes
• Strengthen governance with third-party partners
• Build and lead a high-performing analytical team driving continuous improvement

Key requirements

• 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

• influencing senior stakeholders
• strategic thinking
• collaboration and cross-functional communication
• credit risk management
• portfolio monitoring
• affordability analysis

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