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- Tasks: Optimise credit risk strategies and drive data-driven decision-making in car finance.
- Company: Carmoola is revolutionising car finance with a customer-centric digital experience.
- Benefits: Competitive salary, hybrid working, and opportunities for growth.
- Why this job: Join a high-impact role that shapes the future of car finance.
- Qualifications: 5+ years in auto lending, strong analytical skills, and experience with SQL/Python.
- Other info: Dynamic environment with a culture of trust and ownership.
The predicted salary is between 80000 - 100000 £ per year.
Join the Revolution in Car Finance At Carmoola, we are changing the way people get on the road – making it faster, fairer, and entirely built around the customer. We have started with car finance, reimagining it from the ground up with a seamless, digital experience that puts drivers in control. Since launch, we have raised over £430m from top-tier investors, helped over 15,000 customers get behind the wheel, and we are scaling fast.
To take things to the next level, we are looking for a sharp, structured, and analytically-minded Senior Credit Risk Manager to develop the strategy and scale a critical part of our business. Our ideal candidate has experience of delivering amazing credit results in an auto lending business.
Your Mission
You will be responsible for optimising our credit risk and affordability strategy, ensuring that lending decisions focus on growth while protecting the financial health of the business. You will analyse and implement best-in-class decision-making with a high degree of AI and automation that balance business growth aspirations with strong credit outcomes, using data-driven insights and innovative approaches tailored to the unique dynamics of the car loan market. This is a high-impact role for someone who loves digging into data, understands how to move from insights to pragmatic in-market strategies, and thrives in fast-paced, high-ownership environments.
What You Will Be Doing
- Working within a small, experienced risk team to develop new approaches to credit and affordability, taking pragmatic decisions by using a hands-on approach to analytics and data.
- Building scalable processes that balance customer outcomes, operational efficiency, and commercial goals.
- Delivering in-market results by driving credit performance, reducing arrears rates, across the risk spectrum.
- Using data, AI, and data 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 product, engineering, operations, and finance to integrate lending decisioning into the broader customer journey and company strategy.
- Acting as a senior voice in the business on credit performance, providing regular updates to leadership and contributing to long-term planning.
What You Will Bring
- 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 are 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 £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 will 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.
Senior Credit Risk Manager in London employer: Carmoola Limited
Contact Detail:
Carmoola Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Manager in London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching Carmoola and understanding their mission. Tailor your answers to show how your experience aligns with their goals, especially in optimising credit risk and using data-driven insights.
✨Tip Number 3
Practice your problem-solving skills! Be ready to tackle real-world scenarios during interviews. Think about how you would approach credit performance challenges and be prepared to share your thought process.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of the Carmoola revolution.
We think you need these skills to ace Senior Credit Risk Manager in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Senior Credit Risk Manager. Highlight your experience in auto lending and any data-driven results you've achieved. We want to see how you can bring value to Carmoola!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Share your passion for Carmoola's mission and explain how your skills align with the job. Be genuine and let your personality come through – we love a bit of character!
Showcase Your Analytical Skills: Since this role is all about data and analytics, make sure to include specific examples of how you've used data to drive credit performance in the past. We’re looking for those insights that led to real-world results!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Let’s get you on the road to joining our team!
How to prepare for a job interview at Carmoola Limited
✨Know Your Numbers
As a Senior Credit Risk Manager, you'll need to demonstrate your analytical prowess. Brush up on key metrics related to credit risk and auto lending. Be ready to discuss how you've used data to drive results in previous roles, and think about specific examples where your insights led to improved outcomes.
✨Understand the Market
Carmoola is all about revolutionising car finance, so make sure you understand the current trends in the auto lending market. Research competitors and be prepared to discuss how you can leverage innovative strategies to optimise credit risk and affordability. Show them you're not just a number-cruncher but someone who understands the bigger picture.
✨Collaborate and Communicate
This role requires working closely with various teams, so highlight your collaborative skills. Prepare examples of how you've successfully partnered with product, engineering, or operations in the past. Emphasise your ability to communicate complex data insights in a way that everyone can understand, ensuring alignment across departments.
✨Show Your Passion for Innovation
Carmoola values innovation, especially in using AI and automation. Be ready to discuss any experience you have with these technologies and how they can enhance credit decision-making. Share your excitement for Carmoola's mission and how you envision contributing to their vision of transforming car finance.
