Senior Product Manager – Credit Risk

Overview

In this role you own ENSEK’s end-to-end credit risk product strategy across the customer lifecycle, spanning acquisition, onboarding, in-life risk management, collections and debt recovery. You will balance regulatory compliance, commercial outcomes and customer experience while partnering with engineering, commercial, design and client teams. This autonomous product role centers on data-driven decisions to reduce bad debt through modern SaaS and AI-enabled risk capabilities. You will help energy suppliers scale internationally and shape impactful risk solutions.

Pay / Benefits

• 25 days’ holiday + bank holidays
• Option to buy or sell 5 extra annual leave days
• Vitality Health Insurance and private healthcare
• Pension with 5% matched contribution
• Regular team-wide and company-wide events
• 2 volunteering days per year

Responsibilities

• Own and evolve the credit risk product strategy, vision and roadmap across the full customer lifecycle
• Define and prioritise initiatives spanning acquisition, in-life risk management and collections strategies
• Translate complex regulatory requirements (FCA, Ofgem, ICO) into actionable product deliverables
• Partner with engineering to scope, size and deliver scalable, data-driven capabilities
• Use data to define KPIs, dashboards and performance frameworks, driving continuous improvement
• Collaborate with clients and stakeholders to ensure the product addresses real-world credit and collections challenges

Key requirements

• Proven Product Manager experience in SaaS, ideally fintech, credit or utilities
• End-to-end delivery of credit risk or financial decisioning products
• Strong understanding of credit lifecycle processes (acquisition, in-life management, collections)
• Deep knowledge of collections-stage credit risk utilisation, including debt scoring, propensity-to-pay modelling, Gini curves, retro analysis, scorecards, segmentation strategies, and working with DCAs
• Strong understanding of regulatory frameworks (FCA, Ofgem, CRA data, GDPR)
• Data-led mindset with experience defining metrics, dashboards and experimentation approaches
• Experience in AI-driven credit decisioning and predictive analytics to improve model accuracy
• Ability to work autonomously, influence stakeholders and drive product decisions at pace

• autonomy
• stakeholder management
• data-driven mindset
• credit risk management
• debt scoring
• propensity-to-pay modelling

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