Senior Manager Credit Portfolio Growth and Value

iD Mobile Limited; London; Hybrid; GBP 70,000 - 100,000; Full time

Job summary

iD Mobile Limited is seeking a Senior Manager for Credit Portfolio Growth and Value. This role focuses on driving profitable growth for flexpay, requiring strong communication skills, commercial acumen, and cross-functional leadership to maximize credit sales and enhance customer engagement.

Benefits

25 days of annual leave plus bank holidays

Private Medical Insurance

Colleague Discounts on Tech

Access to Champion Health

Hybrid Working Model

Qualifications

• Deep knowledge of credit / financial services value creation and profitability.
• Strong performance focus with ability to align and influence across functions.
• Proven ability to lobby for improvements and energize teams.

Responsibilities

• Identify key opportunities across the flexpay value chain.
• Develop a structured, data-led plan for growth and profitability.
• Maximize credit sales by integrating credit into product strategies.

Skills

Communication

Commercial Acumen

Cross-functional Leadership

Influencing

Job description

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The purpose of the Senior Manager - Credit Portfolio Growth and Value is to identity and shape opportunities to drive profitable growth for flexpay, our embedded credit product. This is a highly commercial role, responsible for assessment, identification and delivery of strategic growth and profitability opportunities across our embedded credit portfolio. Identifying where and how credit can drive greater value; from product distribution and customer onboarding to lifecycle strategies such as CRM, rewards and servicing.

This role will relentlessly focus on profitable growth opportunities and will require exceptional communication and influencing skills, with the ability to engage senior stakeholders, align cross-functional teams and drive action across the wider Currys business / across our lending partners. As well as focusing on driving value for Currys, this role will seek to grow the credit portfolio, improve engagement, optimize lifetime value and make flexpay more compelling, rewarding and valuable for our customers.

At Currys we’re united by one passion: to help everyone enjoy amazing technology. As the UK’s best-known retailer of tech, we’re proud of the service our customers receive – and it’s all down to our team of 25,000 caring and committed colleagues. Working as one team, we learn and grow together, celebrating the big and small moments that make every day amazing.

Role overview:

Key Role Responsibilities:

• Be the driving force that identifies the key opportunities or problem statements across the flexpay value chain – must be deeply engaged with areas such as categories, channels, product, marketing and the lender to do so

• Effectively lobby for improvements, influence decision-making, and energize teams around key initiatives

• Play a key role in the shaping and execution of the portfolio profit and growth strategy: a structured, data-led plan for growth and profitability

• Leverage key credit levers – support broader team and the lender to optimize interest-bearing mix, supplier funding, and targeted credit promotions

• Develop a customer segmentation approach that directly addresses business challenges

• Work in deep partnership with the lender – ensure a collaborative, results-driven relationship that aligns both parties on strategic goals

• Maximize credit sales – ensure credit is fully integrated into product category and marketing strategies

• Develop a clear lifecycle communications vision (service and CRM)

• Use data & insight to drive action

Key Skills, & Experience

· A deep knowledge of credit / financial services value creation and profitability

· Exceptional communicator / clarity of thought to connect Currys, Credit and lender(s)

· Strong commercial acumen and performance focus

· Cross-functional leadership – proven ability to align and influence across functions / matrix structure

· Strong influencer & lobbyist – Ability to shape lender priorities, secure investment, and push for business-critical changes.

We know our people are the secret to our success. That’s why we’re always looking for ways to reward great work. You’ll find a host of benefits designed to work for you, including:

· 25 days of annual leave (plus bank holiday entitlement) and a competitive pension scheme

· Private Medical Insurance

· Fantastic Colleague Discounts on Tech with Currys and iD Mobile

· Access to Champion Health

· Hybrid Working (with an expectation to meet in person 2-4 times per month)

Join our team and we’ll be with you every step of the way, helping you develop the career you want with new opportunities, on-going training and skills for life.Not only can you shape your own future, but you can help take charge of ours too. As the biggest recycler and repairer of tech in the UK, we’re in a position to make a real impact on people and the planet.

Every voice has a space at our table and we’re committed to making inclusion and diversity part of everything we do, including how we strengthen our workforce. We want to make sure you have a fair opportunity to show us your talents during our application process, so if you need any additional assistance with your application please email [e-mail] and we’ll do our best to help.