Join Carmoola, a fast-growing fintech, as a Senior Credit Risk Manager to optimize our credit risk and affordability strategy. You'll drive growth while safeguarding financial health, implementing data-driven, AI-powered decision-making in the dynamic car loan market. This high-impact role requires a sharp, analytical mind to scale a critical part of our business.
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Senior Credit Risk Manager at Carmoola
Ready to revolutionize car finance? Carmoola, a rapidly scaling fintech backed by over £430m from top-tier investors, is seeking a Senior Credit Risk Manager. Lead our credit strategy, leverage AI and data, and make a massive impact on our mission to put drivers in control. This is your chance to shape the future of lending in a high-growth environment.
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Location
London, United Kingdom
Compensation
£80k-£120k
Company
Carmoola
Role overview
Financial ServicesLondon, United KingdomSeries A (VC-backed)
Carmoola Limited is a UK-based fintech company offering a fully digital, direct-to-consumer car finance platform. Their mobile and web-based solution enables users to apply for and manage car loans in minutes, requiring only a driving licence for verification and eliminating traditional paperwork. The Carmoola app allows users to instantly see their car finance budget, perform free car history checks, and pay at dealerships or online using a virtual card or bank transfer. The platform utilizes proprietary technology to deliver fast approvals, affordable rates (from 6.9% APR), and a transparent, paperless experience to UK customers looking to purchase or refinance used cars. Carmoola partners with over 9,000 approved dealerships and focuses on making car finance accessible, simple, and customer-centric.
Backed by QED Investors, VentureFriends, InMotion Ventures, Clocktower Ventures, AlleyCorp, u.ventures, BCI.
What you will do
- Develop new approaches to credit and affordability, using hands-on analytics and data to make pragmatic decisions.
- Build scalable processes that balance customer outcomes, operational efficiency, and commercial goals.
- Drive in-market results by improving credit performance and reducing arrears rates across the risk spectrum.
Who this is a fit for
- 5+ years experience delivering credit results in an auto lending business, built on data and AI.
- Solid foundation in data-driven results, with experience using SQL/Python, Open Banking, and credit modelling.
- Structured thinker who thrives in fast-paced, complex environments, bringing clarity to ambiguous problems.
Why this role is remarkable
- Lead the optimization of credit risk and affordability strategy, directly impacting business growth and financial health.
- Join a rapidly scaling fintech that has raised over £430m from top-tier investors (including QED) and helped over 15,000 customers.
- High-impact role with significant ownership and room for professional growth within a culture of trust and kindness.
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What happens next?
Jack’s an AI agent for job searching and career coaching. He works for you.
Jill is the AI recruiter working for the company. She recruits from Jack’s network.
If your profile’s a match and Carmoola wants to meet, Jill will make the intro. In the meantime, Jack will send you excellent alternatives.
