Virgin Media O2 • Birmingham

Consumer Underwriter

Employment type:  Full time

4 days/week at home

A little flex time

Job Description

As the Consumer Underwriter you will be responsible for underwriting credit applications in adherence to VMO2’s Lending Policy and Standards. Your particular focus will be in underwriting applications for Fixed Line, Cable, and Mobile products. The role will also include Credit related account management responsibilities focussing on Credit Bureau amends and disputes.
Your role will be to effectively work Underwriting queues, maintain SLA’s and support initiatives in the Credit Policy team to drive growth and manage risk effectively.
Who we are
The UK’s fastest broadband network. The nation’s best-loved mobile brand. And, one of the UK's biggest companies too.
Diverse, high performing teams - jam packed with serious talent. Together, we offer the UK more choice and better value, through our boundary-pushing, customer-championing values and ambitions.
Together, we are Virgin Media O2, and we can't wait to see what you can do.
Accessible, inclusive and equitable for all
Virgin Media O2 is an equal opportunities employer and we're working hard to remove bias and barriers for our people and candidates. So, we build equity and inclusion into everything we do, from the policies we craft to the relationships we shape. We support and encourage you to be your authentic self throughout your application journey with us.
The must haves
In order to be considered, you must have the following experience;

  • Previous experience of working with Customer Relationship management systems, Icoms is preferred.
  • Understanding of Consumer Credit Policy, TCF and regulatory landscape in respect to Consumer Credit
  • Strong attention to detail and being able to identify risk, but to the consumer and business when underwriting applications in relation to Telecomms and Media applications
  • Experience of presenting and exploring innovative/new ways of working

The other stuff we are looking for
We'd also love you to bring;

  • Experience of working within an administrative environment, and complying with legal requirements and company policies whilst delivering good internal & external customer service
  • Exposure to working in a multi-contact site, demonstrating an understanding of astute stakeholder relationship management.
  • Previous experience in underwriting, credit file interpretation, customer identification verification and Fraud identification

What's in it for you
Our goal is to celebrate our people, their lives and everything in-between. We aim to create a culture that empowers everyone to bring the best versions of themselves to work each and every day. We believe the most inclusive and diverse culture makes for a better business and a brighter world.
Working at Virgin Media O2, you get a bumper reward package bursting with benefits, and loads of extras you can add if you’d like to. These are designed to support both you and your loved ones, making sure that you’re covered no matter what life throws your way. Next steps
Once you've applied the next steps of the process, if successful, are likely to include a personality profile test followed by a technical and competency based interview.

If you’ve got any burning questions or require reasonable adjustments to support you through the recruitment process, please drop the recruiter a note.


Company benefits

Enhanced maternity leave – 26 weeks at full pay
Enhanced paternity leave – 14 weeks at full pay
Adoption leave – 26 weeks at full pay
Shared parental leave
25 days annual leave + bank holidays
Enhanced sick pay
Pregnancy loss leave
Teambuilding days
Open to part time work for some roles
Mental health platform access
Birthday off
Carer’s leave
Meditation space
Faith rooms
In office catering
Volunteer days
Employee discounts
Open to job sharing
Buy or sell annual leave
Cycle to work scheme
Life assurance
Financial coaching
Employees are very happy with their working location freedom
Employees are very happy with the flexibility in the hours they work
Employees are largely happy with the benefits their company offers
Work-life balance
Employees feel that they can switch off quite easily from work
Role modelling
Employees feel that most people work flexibly
Employees feel they have complete autonomy over getting their work done

Working at Virgin Media O2

Company employees


Gender diversity (male:female)


Office locations

Flexible; Primary Locations Hammersmith & Reading

Hiring Countries

United Kingdom

Awards & Achievements

3rd – Large companies

3rd – Large companies

Flexa100 2024
Consumer Goods

Consumer Goods

Industry awards 2023
2nd – Large companies

2nd – Large companies

Flexa100 2023

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