Product Owner - Collections in London

Join the Revolution in Car Finance At Carmoola, we're changing the way people get on the road – making it faster, fairer, and entirely built around the customer. We've started with car finance, reimagining it from the ground up with a seamless, digital experience that puts drivers in control. Since launch, we've raised over £430m from top-tier investors (including QED), helped over 15,000 customers get behind the wheel – and we're scaling fast.

Your Mission: You'll be responsible for optimising our collections and recoveries strategy, ensuring that customers who fall into arrears are managed with empathy, fairness, and efficiency while protecting the financial health of the business. You'll design and implement best-in-class processes powered by AI and automation that balance customer experience with strong credit outcomes, using data-driven insights and innovative approaches tailored to the unique dynamics of the car finance market.

This is a high-impact role for someone who loves digging into data, understands how to move from insights to prioritising impactful strategies, and thrives in fast-paced, high-ownership environments.

What You'll Be Doing:

• 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.

What You'll Bring:

• 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.

Why Join Carmoola?

• Competitive salary range of £100-£120k
• 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.

If this sounds like your kind of challenge, let's talk.