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We’re bringing together two iconic brands to create the UK’s largest mobile network provider - a once in a generation opportunity to reshape the industry and redefine customer experience. This is more than a merger; it’s a chance to build a new culture, a lasting legacy, and a best-in-class network for coverage, connectivity and reliability, powered by ambitious, values-led leadership. Within this transformation, Commercial Decision Support sits at the heart of Finance Operations, acting as the commercial conscience of the business and holding the organisation to account on performance across the credit risk, billing and collections lifecycle. The team is highly data-driven, blending commercially astute analytics with a relentless performance-improvement mindset to drive profitability and optimise the Bad Debt P&L. As Commercial Manager (InLife), you’ll play a pivotal role in maximising bad debt performance and lifetime value across the Vodafone and Three in-life customer base. You’ll shape and optimise collections strategies, challenge and support journey owners as a trusted critical friend, and partner closely with Base Marketing and Trading to unlock proactive, profitable customer management. This is a truly career-defining opportunity to influence strategy at scale and help set a new standard for both customer and employee experience.
Job Responsibility
Own and drive in-life bad debt performance across Vodafone and Three, using insight to identify key trends, risks and commercial opportunities
Act as a senior commercial partner to Collections, holding teams accountable for policy, strategy and third-party performance, including DCAs and Bad Debt Sales
Work closely with Base Marketing to unlock profitable cross-sell, upsell and retention through data-led credit strategies and optimised marketing suppressions
Design and deliver initiatives that maximise customer lifetime value through smarter credit decisioning and collections optimisation
Own the intelligence layer pathways and decisioning frameworks, ensuring performance is sustainable, scalable and commercially sound
Lead analysis and optimisation of 13m+ Max Exposure performance, translating complex data into clear actions and outcomes
Shape the in-life involuntary churn outlook, clearly articulating drivers and aligning recommendations with Segment Trading and commercial plans
Provide robust, insight-driven challenge to stakeholders, influencing decisions through strong business cases and ensuring benefits are realised through post-implementation reviews
Requirements
Strong background in commercial leadership, ideally within telecoms or another subscription-based, customer-lifecycle business
Deep understanding of credit risk, collections, exposure management and the key levers that drive in-life value and profitability
Proven ability to work collaboratively with marketing, credit, trading and strategy teams to deliver tangible commercial and customer outcomes
Highly analytical, with strong commercial modelling skills and the ability to turn complex insight into clear, actionable recommendations
Experience shaping or optimising strategies across collections journeys, DCA management, debt sale or in-life decisioning pathways
Solid grasp of involuntary churn, max exposure dynamics and end-to-end lifecycle performance management
Confident communicator with the presence to challenge constructively and influence decisions at senior levels
Demonstrated track record of driving improvement through cross-functional delivery and effective governance frameworks
What we offer
Excellent basic salary plus bonus and Vodafone benefits