Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Lead credit analytics to maximise lending opportunities and drive growth strategies.
- Company: Carmoola, a fast-growing fintech revolutionising car finance.
- Benefits: Competitive salary, equity options, vibrant work culture, and hybrid working model.
- Why this job: Join a dynamic team and make a real impact in the fintech space.
- Qualifications: 5+ years in analytics, strong SQL and Python skills, and a STEM degree.
- Other info: Exciting career growth in a supportive, innovative environment.
The predicted salary is between 64000 - 96000 £ per year.
Carmoola is a rapidly growing fintech car finance lender on a mission to empower customers to save money and have the best possible experience when financing a car. Following a successful launch of the business, we are now doubling down on our acquisition efforts and looking for a talented analyst who can work cross-functionally to deliver significant impact across the marketing and credit risk functions.
Carmoola is a fully automated direct to consumer car finance lender. We have raised over £150M+ and are backed by some of the world’s leading investors. Having just closed our Series A extension funding round and senior debt facility, we are now focused on scaling the business.
We are looking for an exceptional credit analytics Manager, responsible for finding opportunities to maximise overall NPV of our lending. You will set the agenda for our marketing and credit strategies, use data-driven insights to unlock sustainable growth, and lead the company’s customer communication strategy. You will sit in a small, agile, high-performing team of data professionals, reporting into the Head of Acquisition.
Responsibilities- Analyse and monitor full funnel data across the acquisition journey and implement a test and learn approach to identify new opportunities.
- Design and recommend tests and changes to all aspects of acquisition.
- Set roadmaps for growth initiatives based on data insights.
- Analyse opportunities to increase accept rates while maintaining performance.
- Take a data-driven approach to prioritisation of initiatives for the acquisition squad.
- Build a world-class customer communication strategy across the full customer lifecycle.
- Take ownership of data products requirements that are needed for monitoring.
- Perform pricing testing and analysis to ensure we are balancing product competitiveness with conversion.
- Bachelor's, master's degree or a PhD in a STEM or a numerical subject.
- Experienced with SQL and Python.
- 5 years+ experience in an analytically strong financial services provider.
- A good understanding of the regulatory environment, especially responsible lending.
- Knowledge and understanding of acquisition channels relevant to Carmoola.
- Experience analysing data to find growth levers and set strategy.
- Deep understanding of credit risk, and selection effects that can impact overall NPV and loan performance.
- Faster learner / self-starter.
- Thrives in a fast-paced, complex environment.
- Positive, high-energy problem-solver.
- Open and collaborative.
- Competitive Salary (£80-£100K depending on experience).
- Equity/options package.
- A vibrant, innovative working environment with a talented, supportive team.
- Hybrid working model with a modern office in Primrose Hill London.
Thank you for reading, and we can’t wait to hear from you! If you don’t have everything on the list - don’t worry! At Carmoola we love working with smart, enthusiastic people, who are willing to learn.
Manager - Credit Analytics in London employer: Carmoola
Contact Detail:
Carmoola Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Manager - Credit Analytics in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those at Carmoola. A friendly chat can open doors that a CV just can't.
✨Tip Number 2
Show off your skills! Prepare a mini-project or case study related to credit analytics. This will demonstrate your expertise and passion for the role.
✨Tip Number 3
Be ready for the interview! Research Carmoola's mission and values, and think about how your experience aligns with their goals. We want to see your enthusiasm!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take that extra step.
We think you need these skills to ace Manager - Credit Analytics in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the role of Manager - Credit Analytics. Highlight your experience with SQL, Python, and any relevant financial services background. We want to see how your skills align with our mission at Carmoola!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit analytics and how you can contribute to our growth. Be sure to mention specific experiences that demonstrate your problem-solving skills.
Showcase Your Data Skills: Since this role is all about data-driven insights, make sure to showcase your analytical skills. Include examples of how you've used data to drive decisions or improve processes in previous roles. We love numbers as much as you do!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any updates. Plus, it’s super easy!
How to prepare for a job interview at Carmoola
✨Know Your Numbers
As a Manager in Credit Analytics, you'll need to demonstrate your analytical skills. Brush up on key metrics related to NPV and loan performance. Be ready to discuss how you've used data to drive decisions in previous roles.
✨Showcase Your Technical Skills
Make sure you can confidently talk about your experience with SQL and Python. Prepare examples of how you've used these tools to analyse data and implement strategies. This will show that you're not just a numbers person but also technically savvy.
✨Understand the Regulatory Landscape
Carmoola values responsible lending, so be prepared to discuss your understanding of the regulatory environment. Think about how regulations impact credit risk and customer communication strategies, and be ready to share your insights.
✨Be a Problem Solver
Carmoola is looking for someone who thrives in a fast-paced environment. Prepare to share examples of challenges you've faced and how you approached solving them. Highlight your positive attitude and collaborative spirit, as these traits are essential for success in their team.
