About ENSEK
ENSEK builds the cloud‑native SaaS software that’s transforming how energy retailers operate, innovate and manage at scale.
We help retailers lower operating costs, improve billing accuracy for consumers, and enhance customer experience through automation and AI‑driven insight, all underpinned by modern, cloud‑native architecture.
ENSEK is at an exciting inflection point as we scale at pace towards new international horizons. If you’re driven by solving complex, real‑world problems and want to build modern technology that accelerates the global energy transition, you’ll feel right at home with us.
Reporting to the Head of Payments, Risk and Collections, the Credit Risk Product Manager owns ENSEK’s end-to-end credit risk product strategy across acquisition, onboarding, in-life risk management, collections and debt recovery.
You will shape and deliver credit risk capabilities across B2C, B2B and I&C markets, balancing regulatory compliance, commercial outcomes and customer experience while partnering closely with engineering, commercial, design and client teams.
This is a highly autonomous product role where you will make data-driven decisions, influence strategic direction and help energy suppliers reduce bad debt exposure through modern SaaS and AI-enabled risk capabilities.
Translate complex regulatory requirements (FCA, Ofgem, ICO) into clear, actionable product deliverables
Deep knowledge of collections-stage credit risk utilisation, including debt scoring, propensity-to-pay modelling, Gini curves, retro analysis, performance tracking, scorecards, segmentation strategies, and working with DCAs
Passion for and experience in AI-driven credit decisioning, leveraging AI-powered platforms, bureau data enrichment tools and predictive analytics to improve model accuracy and accelerate insight generation
25 days’ holiday + bank holidays
Option to buy or sell 5 extra annual leave days per year
Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym)
Pension with 5% matched contribution
Regular team‑wide and company‑wide events
2 volunteering days per year to give back
Remote‑first working environment with offices in London and Nottingham
