Collections Strategy Manager

Join the Revolution in Car Finance at Carmoola, where we’re changing the way people get on the road – making it faster, fairer, and entirely built around the customer. We 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, helped over 15,000 customers get behind the wheel and are scaling fast.

We’re looking for a sharp, structured, and commercially‑minded Collections Strategy Manager to develop the strategy and scale a critical part of our business. Our ideal candidate has experience delivering amazing results in a FinTech, consultancy, or lending business.

Your Mission

• Optimise our collections and recoveries strategy, ensuring customers who fall into arrears are managed with empathy, fairness and efficiency while protecting the financial health of the business.
• Design and implement best‑in‑class processes with a high degree of 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 loan market.
• Designing and owning the end‑to‑end collections and recoveries strategy, from early‑stage arrears through to late‑stage recoveries and external partnerships.
• Building scalable processes, policies, and playbooks that balance customer care, operational efficiency, and commercial outcomes.
• Delivering in‑market 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.
• Recruiting, coaching, and leading a high‑performing team 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 product, risk, operations, and customer support to integrate collections 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.

Requirements

• Experience delivering results in a lending, FinTech or consultancy business built on data and AI.
• Proven leadership ability to build, inspire, and scale high‑performing teams, with a track record of driving results.
• Solid foundation in 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.
• 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, owning a core area of our business.
• A culture of trust, kindness and ownership. We move fast, support each other, and enjoy the ride.

Seniority level: Mid‑Senior level. Employment type: Full‑time. Job function: Other. Industries: IT Services and IT Consulting.