Senior Senior Product Manager – Credit Risk

Overview

As Credit Risk Product Manager, you own ENSEK’s credit risk strategy across acquisition, onboarding, in-life risk, collections and debt recovery. You will shape capabilities for B2C, B2B and I&C markets, balancing regulatory compliance, commercial outcomes and customer experience. This autonomous role requires data-driven decisions to reduce bad debt through modern SaaS and AI-enabled risk tools. You’ll collaborate with engineering, commercial, design and clients to deliver meaningful risk improvements at scale.

Pay / Benefits

• 25 days’ holiday + bank holidays
• Option to buy/sell 5 extra annual leave days
• Vitality Health Insurance with private healthcare and mental-health support
• 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 for acquisition, in-life risk management and collections
• Translate FCA, Ofgem, ICO requirements 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 for continuous improvement
• Collaborate with clients and stakeholders to address real-world credit and collections challenges

Key requirements

• Proven Product Manager in SaaS, ideally fintech, credit or utilities
• Track record delivering credit risk or financial decisioning products end-to-end
• Strong understanding of credit lifecycle processes (acquisition, in-life management, collections)
• Deep knowledge of collections-stage credit risk utilisation (debt scoring, propensity-to-pay, Gini curves, retro analysis, scorecards, segmentation)
• Experience with regulatory frameworks (FCA, Ofgem, CRA data, GDPR)
• Data-led mindset with metrics, dashboards and experimentation
• Interest and experience in AI-driven credit decisioning, leveraging bureau data enrichment and predictive analytics
• Ability to work autonomously, influence stakeholders and drive decisions at pace

• Autonomy
• Stakeholder influence
• Data-driven mindset
• Debt scoring
• Propensity-to-pay modelling
• Gini curves

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