Virgin Media O2 • United Kingdom

Senior Credit Risk & Operational Control Manager

Employment type:  Full time

3–4 days/week at home

A little flex time

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Job Description

The Senior Credit Risk Oversite and Control Lead is responsible for ensuring that operationally the E2E credit proposition consistently delivers good customer outcomes, meets regulatory requirements and adheres to expected service levels.

The role-holder will be pro-active in monitoring and identifying enterprise risks related to the delivery of the credit proposition and in determining how those risks should be managed and mitigated. The role-holder will be committed to embedding control frameworks to ensure that credit upholds the FCA’s TCF principles.

Key responsibilities include:

  • Risk and Control Management
  • Operational Improvement
  • Internal Governance and Control Management
  • Partner Management

Part of this role is ensuring the agreed Credit partner Governance processes are adhered to and effective (e.g QBR with bureaus; Sales and Governance, Internal team operational committees and appropriate risk management forums with compliance function).

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 in UK POS finance / Consumer Credit markets
  • Previous experience in establishing and managing business risk or conduct risk frameworks within a large organisation
  • Expert knowledge of FCA TCF principles and how this translates into delivering good customer outcomes
  • Demonstrable experience and commitment to ensuring good customer outcomes are delivered across multiple business functions
  • Previous experience in delivering operational process improvement activities and working with 3rd party organisations to ensure service standards are agreed and adhered to
  • Leadership experience. Ability to lead, set strategic direction and motivate a team in a change environment

The other stuff we are looking for

We'd also love you to bring;

  • Understanding of Credit Risk Decisioning outputs - in the context of risk
  • FCA Consumer Credit Regulation across the full Credit Lifecycle
  • Experience of working agile/exposure to methodology
  • Able to work at pace and pivot to take on new tasks/activities
  • Project/Delivery Risk management
  • 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

    If we feel like a place where you can belong, we'd love to learn more about you as a person and your experience to date. Once you've submitted an application the next steps of the process, if successful, are likely to include communication from the recruiter - Samantha Lee.

    When you apply, you'll be asked about any adjustments you might need to support the recruitment process. Let us know, and we'll be sure to discuss it with you. Thanks for your patience in the meantime and for showing an interest in joining the Virgin Media O2 family.

    LI- SL1

    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

    We asked employees of Virgin Media O2 how satisfied they were with flexible working, and this is what they told us

    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