VodafoneThree - Decisioning & Collections Product Lead

Working Hours: Full time 37.5 hours per week - Monday to Friday 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. 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. 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.