VodafoneThree - Decisioning & Collections Product Lead
Aggregate function: Finance
Business Area: Local Finance
Posting Country: United Kingdom
Date Posted: 15 May 2026
Full Time
Contract: Permanent
Location: Newbury + Hybrid
Salary: Excellent basic salary plus bonus and Vodafone benefits
Working Hours: Full time 37.5 hours per week – Monday to Friday
What you’ll do
You will support the optimisation and delivery of credit decisioning and collections capabilities across the full customer lifecycle, translating business needs into actionable product enhancements, driving testing and operational readiness, and strengthening governance and controls.
Key Responsibilities
* 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.
Who you are
* 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.
What we offer
We care about our people’s success by offering great pay, bonuses, up to 28 days off plus bank holidays, paid time for charity work, discounts, vouchers, a pension plan and extensive learning tools, as well as top‑notch parental leave policies.
Need to Know
We are regulated by the Financial Conduct Authority and all offers of employment for this role are subject to background checks, including criminal (DBS) and financial checks to meet regulatory standards.
If you require any reasonable adjustments or have an accessibility request as part of your recruitment journey, please refer to our accessibility guidance for assistance.
We use AI in different parts of our business to boost innovation, improve efficiency, and create new opportunities. During the interview, we want you to rely on your own knowledge and skills to demonstrate authenticity.
Inclusion and Accessibility
We believe that everyone has valuable contributions to make. As a Disability Confident Employer, we actively encourage individuals with disabilities to apply. Through the ‘Offer an Interview’ scheme, we aim to offer interviews to a fair and proportionate number of applicants with disabilities who best meet the essential criteria for our vacancies.
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