Business Unit: Unsecured Lending
Location: Hybrid with occasional travel to a hub
Contract Type: Permanent
The Strategy team is at the heart of driving commercial performance and customer value across our Unsecured Existing Customer portfolios. We lead the design and execution of data-driven strategies that deepen customer engagement, optimise credit performance, and unlock sustainable growth. From stimulating card activity, to limit management and persistent debt solutions, we focus on delivering measurable outcomes that enhance profitability and customer experience. By balancing risk and reward, and leveraging advanced segmentation and analytics, we identify and act on opportunities that fuel business success. Supporting the design and execution of targeted customer campaigns that drive engagement, retention, and commercial value across the unsecured lending portfolio.
Using advanced analytics and segmentation to identify opportunities for growth, optimise pricing strategies, and enhance customer outcomes.
Applying commercial acumen to ensure strategies deliver measurable financial benefits, including balance growth and margin improvement.
Collaborating cross-functionally with Marketing, Operations, Digital and Risk teams to ensure campaigns are effective, efficient, compliant and aligned with business objectives.
Have curious, creative & commercial mindset, ideally with an understanding of Profit & Loss drivers within unsecured lending, including Credit Cards.
Innovating & developing existing customer relationship management activities, across a range of engagement channels in a data & insight led approach.
Strong analytical skills and high proficiency in SAS/SQL and Microsoft Office.
Proven experience in developing and executing customer relationship strategies & campaigns, with a commercial lens.
A deep understanding of data structures and the commercial levers that drive portfolio performance.
Ability to manage multiple priorities in a dynamic environment, supporting and mentoring junior team members.
It’s a bonus if you have but not essential
Knowledge of the legal and regulatory landscape
Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
~ Up to five extra paid well-being days per year.
~20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
~ Market-leading pension.
~ Free private medical cover, income protection and life assurance.
~ Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
Please ensure to submit your applications as soon as possible.
Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose ; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.
Banking – but fairer, more rewarding, and for the good of society. As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.Now the legal bit
These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.