VodafoneThree - Decisioning & Collections Product Lead

Job Description

Location: Newbury + Hybrid
Salary: Excellent basic salary plus bonus and Vodafone benefits
Working Hours: Full time 37.5 hours per week – Monday to Friday



Hybrid

We believe that through collaboration and connection with our colleagues we can achieve great things. Our hybrid working approach allows our people to work both in the office and at home, providing the flexibility and resources you need to succeed in your role. We don't require you to be in on specific days; instead, we ask people to come into the office 2-3 days each week, for at least 8 days per month. You should work with your line manager to understand what their expectations are for you, your specific role and your team.

Who We Are

We’re here to build a network the UK can count on – one that connects people, places and potential. Because no matter where you live, what your background is, or how you get online – we think everyone deserves the same chance to stay connected, and with VodafoneThree, that future’s being built – today.

We’re creating more than the UK’s best network. We’re helping close the digital divide, empower communities and drive meaningful progress.

We believe that everyone should feel they belong. Whoever you are and whatever your story, there’s space for you here. We’re building a workplace where different perspectives are welcomed, voices are heard, and everyone feels safe to show up as themselves.

You’ll join a team that genuinely cares – about each other, about our customers, and about the future we’re building. From day one, you’ll be welcomed, valued and encouraged to bring your whole self to work.



Why VodafoneThree

Join us and you’ll be at the heart of change. That means building responsibly, investing sustainably and creating opportunities that last.

We’re not just expanding connectivity; we’re reimagining what a connected nation looks like. With £11bn invested in 5G and digital infrastructure, your work will directly power businesses, services, and communities across the country.

You’ll work on real challenges, with real impact, across every corner of the country. Wherever you join us, whatever your role, you’ll be helping to build a future that works better for everyone.

We move at pace, because what we’re building matters – and we’re learning as we go. We’re proud of the progress we’ve made, but we’re just getting started.

Join us at the heart of our business in Corporate, one of the central support functions that underpin our business and keep us moving forward. We provide centralised support, expertise and guidance across our UK and Group operations, continuing to build on our success and trailblazing the way to our next stage of digital growth.

What you’ll do

This is a rare opportunity to be part of the creation of the UK’s largest mobile network provider, combining scale, ambition and innovation to reshape connectivity for the nation. As we join forces, we’re not just building a stronger network for coverage, reliability and value - we’re building a new culture, a shared legacy and a customer experience that sets the benchmark for our industry.

This role sits at the heart of that transformation, supporting the optimisation and delivery of credit decisioning and collections capabilities across the full customer lifecycle. You’ll translate business needs into clear, actionable requirements, drive iterative product enhancements, and support testing and operational readiness. With a strong focus on governance, documentation and controls, you’ll help improve customer outcomes while strengthening risk performance and operational efficiency. It’s a career defining moment to make a genuine, lasting impact.

Key Responsibilities:

• Play a key role in shaping and enhancing our credit decisioning and collections capabilities, from requirements gathering through to delivered improvements.
• Own and refine the product backlog, ensuring priorities are clear, well defined and ready for efficient delivery.
• Translate complex business needs into clear user stories, acceptance criteria, decisioning logic and supporting documentation.
• Partner closely with teams across Credit Risk, Collections, Finance, Compliance, Operations and Technology to design and deliver effective solutions.
• Map and analyse end to end workflows to identify opportunities for optimisation, automation and better customer outcomes.
• Support user acceptance testing, validating functionality, identifying defects and driving continuous improvement.
• Use performance insights, KPIs and regulatory awareness to inform prioritisation, strengthen controls and ensure ongoing compliance and operational readiness.

Who you are

• Proven experience in a product, credit risk, finance, collections or closely related operational environment.
• Strong understanding of the end to end credit lifecycle, including affordability, risk decisioning, arrears management and collections journeys.
• Confident translating business problems into structured requirements, user stories and clear acceptance criteria.
• Hands on experience working with delivery and technical teams to shape, test and refine solutions.
• Comfortable analysing processes, system behaviours and performance data to identify improvement opportunities.
• Excellent communication and documentation skills, with the ability to influence and collaborate across diverse stakeholders.
• Solid awareness of regulatory and compliance considerations within consumer finance, credit risk and collections.
• Experience thriving in fast paced, agile and iterative delivery environments.

Worried that you don’t meet all the desired criteria exactly?
We know that everyone is unique, with multiple aspects to their identity and different experiences behind them. We are passionate about Inclusion for All and creating a workplace where everyone can thrive, whatever their personal or professional background. If you’re excited about this role but your experience doesn’t align exactly with every part of the job description, we encourage you to apply as you may be the right candidate for this role or another role, and our recruitment team can help you see how your skills fit in.

We believe that everyone has valuable contributions to make. As a Disability Confident Employer, we actively encourage individuals with disabilities to apply for positions within our team. Through the ‘Offer an Interview’ scheme, we aim to offer interviews to a fair and proportionate number of applicants with disabilities who best meet the essential criteria for our vacancies. If you would like to participate in the scheme, you will have the opportunity to indicate this on your application.

What we offer

We care about our people’s success by offering great pay, bonuses, up to 28 days off plus bank holidays, and paid time for charity work. You can personalise our benefits for you and your family, like discounts, vouchers, a pension plan and loads more. We help with your career through our amazing learning tools and top-notch parental leave policies.



Need to Know

We are regulated by the Financial Conduct Authority and all offers of employment for this role are subject to background checks, including criminal (DBS) and financial checks to meet the regulators standards.

If you require any reasonable adjustments or have an accessibility request as part of your recruitment journey, for example, extended time or breaks in between online assessments, a sign language interpreter, or assistive technology, please refer to the Accessibility section of our Careers website (https://careers.vodafone.com/uk/reasonable-adjustments/) for guidance.

We use AI in different parts of our business to boost innovation, improve efficiency, and create new opportunities. We know many candidates use AI to fine-tune their CVs or prepare for interviews, but what we really care about is your unique experiences and achievements.

During the interview, we want you to rely on your own knowledge and skills to show us who you really are—your personality, creativity, and abilities. Above all, we’re looking for authenticity and can’t wait to get to know the real you.

#VodafoneThree
#LI-Hybrid