Product Manager – Credit Risk

Role Overview

• Own and evolve the credit risk product strategy, vision and roadmap across the full customer lifecycle
• Define and prioritise initiatives spanning acquisition, in-life risk management and collections strategies
• Translate complex regulatory requirements (FCA, Ofgem, ICO) into clear, actionable product deliverables
• Partner with engineering to scope, size and deliver scalable, data-driven capabilities
• Use data to define KPIs, dashboards and performance frameworks, driving continuous improvement
• Collaborate with clients and stakeholders to ensure the product addresses real-world credit and collections challenges

Requirements

• Proven experience as a Product Manager in SaaS, ideally in 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, including debt scoring, propensity-to-pay modelling, Gini curves, retro analysis, performance tracking, scorecards, segmentation strategies, and working with DCAs
• Strong understanding of regulatory frameworks (FCA, Ofgem, CRA data, GDPR)
• Data-led mindset with experience defining metrics, dashboards and experimentation approaches
• Passion for and experience in AI-driven credit decisioning, leveraging AI-powered platforms, bureau data enrichment tools and predictive analytics to improve model accuracy and accelerate insight generation
• Ability to work autonomously, influence stakeholders and drive product decisions at pace

Benefits

• 25 days’ holiday + bank holidays
• Option to buy or sell 5 extra annual leave days per year
• Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym)
• Pension with 5% matched contribution
• Regular team‑wide and company‑wide events
• 2 volunteering days per year to give back
• Remote‑first working environment with offices in London and Nottingham