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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London, United Kingdom£80k-£120k
Senior Credit Risk Manager at Carmoola - VC-backed fintech revolutionizing car finance
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.
Overview
Role overview
Company
Carmoola
Financial ServicesLondon, United KingdomSeries A (VC-backed)
Carmoola - VC-backed fintech revolutionizing car finance
Backed by QED Investors, VentureFriends, InMotion Ventures, Clocktower Ventures, AlleyCorp, u.ventures, BCI.
Responsibilities
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.
Candidate profile
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.
What makes it remarkable
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.
Meet Jack
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How does this work?
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 it's a match and the company wants to meet you, they'll make the intro. In the meantime, if you'd like, Jack will send you excellent alternatives.
Jack