Credit Risk Senior Specialist

Join Us

At Vodafone, we’re not just shaping the future of connectivity for our customers – we’re shaping the future for everyone who joins our team. When you work with us, you’re part of a global mission to connect people, solve complex challenges, and create a sustainable and more inclusive world. If you want to grow your career whilst finding the perfect balance between work and life, Vodafone offers the opportunities to help you belong and make a real impact.

What you’ll do

The Credit Risk Senior Specialist is accountable for driving the design, implementation, and management of the credit risk framework within the company’s banking consumer finance business. This role strategically balances business growth objectives with portfolio quality by developing credit policies, risk models, and underwriting standards. The role requires close collaboration across product, data, operations, and compliance teams to ensure rigorous risk assessment, ongoing portfolio monitoring, and control mechanisms that enable sustainable, scalable growth.

• Implement credit risk management processes and governance structures to ensure consistent risk assessment across the consumer finance portfolio
• Lead on the design and validation of credit risk models, including scoring, behavioural, and fraud models, ensuring accuracy, robustness, and predictive power.
• Collaborate closely with internal stakeholders (Product, MIS, operations & technology) to build and refine credit scoring models
• Monitor credit portfolio performance, delinquency & default trends.

Support the operational risk function in internal audits, regulatory reviews FRA audits and inspections

Who you are

• Extensive knowledge of digital financial solutions and related technologies.
• Expertise in evaluating credit risk through quantitative and qualitative methods.
• Ability to analyze borrower financials, credit histories, and market conditions to assess risk exposure.
• Strong problem-solving and decision-making skills.
• Excellent communication and interpersonal skills.
• Strong interpersonal and influencing skills to manage diverse stakeholders across business units.
• • Minimum 3-5 years in banking or financial services
  • Deep understanding of credit risk regulations and guidelines implementations, Solutions
  • Proficient in leveraging data analytics, credit scoring models, and risk systems to derive insights.
  • Capable of designing risk mitigation strategies based on data patterns and stress testing

Who we are

We are a leading international Telco, serving millions of customers. At Vodafone, we believe that connectivity is a force for good. If we use it for the things that really matter, it can improve people's lives and the world around us. Through our technology we empower people, connecting everyone regardless of who they are or where they live and we protect the planet, whilst helping our customers do the same.

Belonging at Vodafone isn't a concept; it's lived, breathed, and cultivated through everything we do. You'll be part of a global and diverse community, with many different minds, abilities, backgrounds and cultures. ;We're committed to increase diversity, ensure equal representation, and make Vodafone a place everyone feels safe, valued and included.

If you require any reasonable adjustments or have an accessibility request as part of your recruitment journey, for example, extended time or breaks in between online assessments, please refer to https://careers.vodafone.com/application-adjustments/ for guidance.

Together we can.