Unsecured Credit Risk Manager Strategy

Business Unit: Unsecured Credit Risk
Salary range: £58,400 - £73,000 per annum DOE + red-hot benefits
Location: UK Flexible
Contract type: Permanent 

Live for the weekday. Live a life more Virgin.

Our Team

Join our dynamic Credit Risk Strategy team, where innovation meets excellence! We are dedicated to designing and delivering cutting-edge customer management credit strategies and policies that drive growth while ensuring safe and responsible lending. Our team thrives on collaboration, creativity, and a relentless pursuit of excellence, making us a key player in the financial industry.

What you’ll be doing

• Developing and implementing innovative credit strategies and policies for unsecured cards lending products.
• Optimising credit decisioning tools, scorecards, and models to enhance lending strategies.
• Working closely with internal stakeholders such as Credit Modelling, Commercial, and Technology to ensure ideas and solutions are driven to tangible outcomes.
• Engaging with credit bureau and third-party experts to stay competitive.
• Representing the Bank in key industry forums and regulatory engagements.
• Managing and supporting transformational credit decision initiatives.
• Leading a small expert team to deliver best-in-market credit solutions.
• Driving growth in lending within risk appetite and regulatory guidelines.

We need you to have

• Substantial experience in credit risk strategy management.
• Demonstrable strong analytical experience, including leading and mentoring a team to use SAS and SQL.
• Expertise in unsecured lending credit risk, including policy and strategy.
• Excellent communication skills with the ability to influence senior stakeholders.
• Previous experience supporting multiple projects end to end in a fast-changing environment and the ability to prioritise effectively whilst managing various leadership expectation.
• Creative thinking and intellectual curiosity to drive innovative solutions.
• Exceptional interpersonal skills to build relationships across the Bank.

It’s a bonus if you have but not essential

• Experience managing credit card customer management strategies.
• Demonstrated experience of innovation and disruptive change.

Red Hot Rewards

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more.
• Up to five extra paid well-being days per year​. 
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt. 
• Market-leading pension.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness. 

And there's no waiting around, you'll enjoy these benefits from day one.

Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.

Say hello to Virgin Money
We’re making great strides towards achieving our ambition of becoming the UK’s best digital bank.  As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.’ This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. 

Be yourself at Virgin Money
Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.  

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com

It’s important to note that there may be occasions where it’s not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants. 

Now the legal bit
Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK.

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.