Senior Credit Product Manager
London - Hybrid Working
Permanent
Full-time
Grade 5
As a senior manager within Currys' Credit team, the Senior Credit Product Manager will ensure Currys' credit product is run well, delivers great customer outcomes, enables achievement of financial performance targets and identifies opportunity for credit product improvement.
The Senior Credit Product Manager is accountable for the end-to-end management of Currys' credit product. This includes ensuring it complies with all legal and regulatory standards, supports delivery of commercial performance targets, delivers great outcomes for customers, remains competitive and relevant, and identifies opportunities for it to continue to remain relevant and appealing to customers.
As part of this role, you'll be responsible for:
- Day-to-day management of the credit product to ensure that the product functions in line with expectations to enable delivery of key business sales, credit penetration, profitability, and customer outcomes objectives.
- Collaborating with key functional stakeholders across Currys to ensure the expected product experience is delivered to customers, and to identify and resolve any issues that risk that experience.
- Establishing productive and collaborative relationships with external credit provider organizations.
- Close collaboration with research, insights, and analytics teams to monitor and measure product performance and identify future product enhancement opportunities.
- Monitoring and responding to market developments, including customer insights, competitor insights, regulatory requirements, product innovation, and system developments.
- Collaboration with Product Development and Change Management Functions to progress the roadmap into business requirements.
- Ensuring the product complies with all relevant legal, regulatory, and Currys' product governance requirements.
- Maintaining dialogue with prospective lenders and credit partners.
You will need:
- Experience running and managing a regulated consumer credit product within a financial services organization is essential. Having managed a revolving credit product, such as a credit card, is highly desirable.
- Experience across the product management lifecycle, from discovery to delivery, optimization, and governance.
- Evidence of being outcomes-oriented, and managing a range of product levers to create commercial and customer value.
- Conduct-led mindset, and track record of shaping, launching, iterating, and growing consumer credit products.
- Understanding of legal (e.g., Consumer Credit Act) and regulatory (e.g., CONC & Consumer Duty) frameworks within which consumer credit products operate, is essential.
- Able to build effective working relationships with colleagues at all levels, across all functions within the Currys matrix, and with external partners, leveraging these to execute the Credit agenda.
- Understanding of the UK consumer credit market, including regulatory requirements, market trends, and commercial drivers.
We know our people are the magic ingredient in our success. That's why we reward you with benefits that go deeper than just the day-to-day. Benefits that work for you, your lifestyle, and your career. They include Company Pension Scheme, Discretionary/Performance-based bonus, Private Health Insurance, and Colleague Discounts.
Beyond that, we'll be with you every step of the way, enabling you to get the most out of your role, grow your skills your way, and see your career develop in the way you want. Be part of our talented Currys team and unbox your passion at the UK's best-known retailer in tech.
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