Product Manager optimizing collections and recoveries strategy at Carmoola, transforming car finance experience through data-driven insights and innovative processes.
Responsibilities
Designing and owning the end-to-end collections and recoveries strategy, from early-stage arrears through to late-stage recoveries and external partnerships. Working with engineers to deliver these features.
Building scalable processes and playbooks that balance customer care, operational efficiency, and commercial outcomes.
Delivering results by driving repayment performance, reducing arrears rates, and optimising recovery strategies.
Establishing and managing relationships with external agencies, technology providers, and other partners critical to collections and recoveries.
Building out, and leading a high-performing squad while embedding a culture of accountability, empathy, and continuous improvement.
Using data, AI, and customer insights to identify trends, inform strategy, and continuously improve processes.
Ensuring all activities meet regulatory, legal, and compliance standards, with a strong focus on the fair treatment of customers.
Partnering closely with risk, operations, and customer support to integrate collections learnings into the broader customer journey and company strategy.
Acting as a senior voice in the business on credit performance, ownership of these metrics, and providing regular updates to leadership and contributing to long-term planning.
Requirements
Experience of delivering results in a fintech, digital consumer product, or AI company.
Proven leadership ability to build, inspire, and scale high-performing teams, with a track record of driving results.
Solid foundation in product, data, and AI, with experience using AI or building AI processes to drive efficiency and impact.
Open and collaborative — you work cross-functionally, blending analytics with operational delivery, and naturally bring others along with you.
Structured thinker — you impose clarity on complex, ambiguous problems and navigate uncertainty with a clear, methodical approach.
Fast learner and self-starter — you pick up new tools, strategies, and concepts quickly and independently.
Thrives in fast-paced, complex environments — you’re comfortable with ambiguity and figure things out as you go.
Organised and deadline-driven — you manage multiple priorities and consistently deliver high-quality results.
Positive, high-energy problem-solver — you stay solutions-focused and maintain momentum even under pressure.
Genuine excitement for Carmoola’s mission and the chance to shape the future of how people get on the road.
Benefits
Competitive salary range of £80-£100k
Hybrid working: 3 days a week in our London office, in the heart of beautiful Primrose Hill
A high-impact role with room to grow. You'll own a core area of our business – with the opportunity to shape and expand the role over time by delivering real results and unlocking new opportunities.
A culture of trust, kindness and ownership. We move fast, support each other, and enjoy the ride.
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