Hybrid Product Manager – Collections

Posted 2 months ago

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About the role

  • 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.

Job title

Product Manager – Collections

Job type

Experience level

Mid levelSenior

Salary

£80,000 - £100,000 per year

Degree requirement

Bachelor's Degree

Location requirements

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