Credit Risk Manager

## Who we are VOIS (Vodafone Intelligent Solutions) is a strategic arm of Vodafone Group Plc, creating value for customers by delivering intelligent solutions through Talent, Technology & Transformation. As the largest shared services organisation in the global telco industry with 30,000 FTE, our portfolio of next-generation solutions and services are designed in partnership with customers across Vodafone Group, local markets, and partner markets to simplify and drive growth. With our strategic partner Accenture, we work alongside our Vodafone customers, other Telco and tech companies to drive transformation, meet the challenges of our industry and ensure we stay relevant and resilient. This partnership is a unique, industry-first model which brings together the best of in-house and 3rd party capability. We work with customers across 28 countries from 10 VOIS locations: Albania, Egypt, Hungary, India, Romania, Spain, Turkey, UK, Germany, Ireland, and with a network of teams in Czech Republic, Italy, Greece, and Portugal. #VOIS #BeUnrivalled #CreateTheFuture ## About this role We are seeking a highly skilled and experienced credit risk professional to strengthen our credit risk capability within VOIS. This role focuses on shaping and executing credit risk strategies across products and services, using data-driven insights to assess, monitor and mitigate risk. The individual will partner closely with senior stakeholders, influence policy, lead governance forums, and ensure credit risk strategies support sustainable growth, financial stability and positive customer outcomes. ## What you’ll do * Develop, review and recommend enhancements to credit scoring and credit risk policies across Vodafone channels in collaboration with key stakeholders. * Use customer and financial data to shape risk segmentation, mitigation strategies and debt cycle profiling. * Apply data analysis and data mining techniques to understand customer risk behaviours and debt patterns. * Proactively identify emerging credit risk issues and coordinate effective resolution actions. * Perform detailed quantitative and qualitative credit assessments for new and existing customers, providing clear risk recommendations. * Assess credit risk exposure across all products and services, ensuring strong governance and control frameworks. * Drive strategies to minimise bad debt provisions, write-offs and customer churn. * Embed a culture of continuous improvement across credit risk practices, tools and processes. * Identify process gaps and tool enhancement opportunities, partnering with stakeholders to deliver scalable, secure solutions. * Produce and present credit risk and credit management KPIs, dashboards and reporting packs for business stakeholders. * Facilitate regular governance forums to review performance, share insights and propose improvement initiatives. * Provide structured performance reporting to senior leadership, including finance and executive stakeholders. * Maintain clear documentation of all credit risk strategies, policies and processes. * Oversee vendor-related credit risk, ensuring compliance with credit policies and maintaining effective vendor relationships. * Lead credit risk–related projects, managing delivery, budget and cross-functional collaboration while ensuring regulatory compliance. ## Who you are * You bring at least five years’ experience in a similar credit risk role within a multinational environment. * You hold a finance-related degree and/or professional qualifications in accountancy or credit risk. * You demonstrate strong analytical capability with hands-on experience working with data and coding-based analysis. * You have a proven record of solving complex credit risk challenges through collaboration and stakeholder partnership. * You can critically interpret complex information from multiple sources and translate insights into clear business impact. * You have substantial experience in credit management within a mass consumer, technology-enabled services environment. * You possess strong knowledge of financial statements and their application in credit risk assessment. * You are confident presenting to senior and executive-level forums and leading structured discussions. * You are highly proficient in advanced Excel and data mining techniques. * You have experience working with Experian tools and platforms. * Experience in SQL, Power BI, Python or SAP is beneficial. * Experience within the telecommunications sector is advantageous ## Not a perfect fit? Concerned you may not meet every requirement? Vodafone is committed to creating an inclusive workplace where everyone can thrive. If you are excited about this role but your experience does not align exactly with every aspect of the job description, you are encouraged to apply. You may be the right candidate for this or another opportunity, and the recruitment team will support you in exploring where your skills fit best. ## What's in it for you * Competitive salary and comprehensive benefits package. * Flexible working arrangements that support work–life balance. * Generous employer pension contribution. * Free mobile phone plan and device discounts. * Extensive learning and development opportunities, including access to Vodafone University. * Family and friends’ discounts on Vodafone products and services. * 23 days’ annual leave, three charity days and an additional day off for your birthday. * Access to wellness facilities, including gym, health and wellbeing services. ## What skills you will learn * Advanced application of credit risk analytics and scorecard optimisation. * Strategic stakeholder engagement and executive-level communication. * Governance, control and regulatory alignment within a complex global environment. * Vendor and project risk management within a large-scale technology organisation. * Continuous improvement and transformation of credit risk processes using data and digital tools. ## VOIS Equal Opportunity Employer Commitment Vodafone recognises and celebrates the value of diversity in building a workforce that reflects the customers and communities it serves. No form of discrimination is tolerated. This includes, but is not limited to, discrimination based on race, colour, age, veteran status, gender identity, gender expression, sexual orientation, pregnancy, maternity or parental status, ethnicity, disability, religion or belief, political affiliation, trade union membership, nationality, citizenship, indigenous status, medical condition, HIV status, neurodiversity, social origin, cultural background, marital or civil partnership status, or socio-economic background. ## Join Us At Vodafone, we’re working hard to build a better future. A more connected, inclusive and sustainable world. As a dynamic global community, it's our human spirit, together with technology, that empowers us to achieve this. We challenge and innovate in order to connect people, businesses, and communities across the world. Delighting our customers and earning their loyalty drive us, and we experiment, learn fast and get it done, together. With us, you can be truly be yourself and belong, share inspiration, embrace new opportunities, thrive, and make a real difference. ## Alert Apply for Vodafone jobs only through the official Vodafone Careers website to avoid job scams and fraud.” #JDEnhancedByTARA ## Follow us on social media and #StayConnected * LinkedIn: https://www.linkedin.com/company/vois/ * Facebook: https://www.facebook.com/voisglobal * Instagram: https://www.instagram.com/voisglobal/ * You can also chat with our employees to learn more about our projects: https://lnkd.in/dpkrcvR2