Join the Revolution in Car Finance at Carmoola, making it faster, fairer, and entirely built around the customer.
Develop the strategy and scale a critical part of the business as a Senior Credit Risk Manager.
Optimise credit risk and affordability strategies to ensure balanced business growth and strong credit outcomes.
Work within a small risk team to develop new approaches, drive credit performance, and improve processes using data and AI.
Ensure compliance with regulatory standards and partner with various departments to integrate decisioning into the customer journey.
Act as a senior voice in the business regarding credit performance and contribute to long-term planning.
Requirements
5+ years experience of delivering credit results in an auto lending business built on data and AI.
Solid foundation of delivering data driven results, with experience using SQL/Python, Open Banking and credit modelling.
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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