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About the role
- Senior Credit Risk Manager at Carmoola optimizing credit risk strategies for auto lending in London. Join a fast-paced team reimagining car finance and making it customer-centric.
Responsibilities
- 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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