Business Unit: Unsecured Lending Salary range: up to circa £80,000 per annum DOE red-hot benefits Location: Hybrid with regular to travel to our Chester hub Contract type : Permanent Our Team You ready to play a part in shaping the future of consumer credit? We’re on the look out for a detail driven Credit Card oversight manager, to come and join our Unsecured Lending business. You’ll be part of a team of established risk professionals, who play a key role in ensuring our products remain compliant, fair and customer-focused throughout the product lifecycle. You’ll have deep credit card knowledge, and will bring your regulatory expertise so our products align with regulatory expectations and deliver value for our customers. If you’re passionate about driving the highest of standards and putting the customer at the heart of everything we do, come join us. The role requires extensive experience in first-line risk and compliance oversight within the UK credit card sector. What you’ll be doing Act as a key risk and compliance specialist, ensuring credit card products operate within UK regulatory frameworks (FCA Consumer Duty, CONC, PSD2, GDPR). Routinely monitor customer usage and behaviour to ensure Unsecured Lending products and features are accessible and available to our chosen target markets with any potential issues raised and investigated. Undertake accurate and detailed product reviews and fair value assessments for Board approval that will ultimately be available for the regulator to review. Challenging the status-quo, ensuring what is right for the customer is always done. Championing the needs of customers and the Consumer Duty agenda, evidencing great communication skills so you become a recognised expert in your field and a key ‘go to’ point for colleagues around the business who need to be engaged in the Existing Unsecured Lending agenda. Understand the ongoing performance of the Unsecured Lending business. Provide insight and to support the product managers to adapt strategies and propositions going forward. We need you to have Extensive experience in first-line risk and compliance oversight within the UK credit card sector. In-depth knowledge of FCA regulations (Consumer Duty, CONC, PSD2, GDPR, AML, etc.). Experience in product governance and oversight within a regulated financial services environment, focus on credit cards. Strong stakeholder management skills, with the ability to challenge and influence senior leaders. Analytical mindset with the ability to assess risk impact and implement effective controls. Detailed and up to date knowledge of UK financial markets. It’s a bonus if you have but not essential Degree in Business, Finance, Risk, or a related field (or equivalent experience). Relevant risk, compliance, or financial services qualifications (e.g., ICA, IRM, CISI, CeMAP) preferred. Red Hot Rewards 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. And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you. Say hello to Virgin Money We’re making great strides towards achieving our ambition of becoming the UK’s best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.’ This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard. 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 careersvirginmoney.com It’s important to note that there may be occasions where it’s not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants. Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. 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.