Job description

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.

• Monitor portfolio performance indicators including delinquency, default, roll rates, and vintage analysis.
• Build and maintain credit scorecards and track their performance over time.
• Analyze portfolio trends by product, segment, channel, geography, and risk grade.
• Prepare and submit quarterly reports to the Financial Regulatory Authority (FRA) in line with requirements.
• Identify emerging risks and early signs of portfolio deterioration.
• Conduct root-cause analysis for delinquency and loss drivers.
• Support the development and monitoring of early warning indicators (EWI).
• Provide insights and recommendations for portfolio actions (tightening, limits, pricing, targeting).
• Support IFRS 9 / ECL analysis, provisioning, and risk parameter monitoring (PD, LGD, EAD).
• Coordinate with Collections to assess strategy effectiveness and recovery performance.
• Prepare regular portfolio risk dashboards and management reports.
• Support stress testing, scenario analysis, and portfolio simulations.

• Portfolio delinquency ratios (30+, 60+, 90+ DPD).
• Non-Performing Loan (NPL) ratio within approved thresholds.
• Vintage and roll-rate performance versus benchmarks.
• Accuracy and timeliness of portfolio risk reporting.
• Effectiveness of early warning indicators in predicting deterioration.
• Loss rates and portfolio risk trends versus targets.
• Contribution to risk mitigation actions and portfolio optimization decisions.
• Compliance with risk appetite limits and internal policies.
• Support of IFRS 9 / ECL deliverables within agreed timelines.
• Stakeholder satisfaction with portfolio insights and analysis quality.

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.

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