Product Owner in London

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.

Your Mission: You will be accountable for the performance of collections and recoveries — improving arrears outcomes, optimising recoveries, and building the systems, processes, and journeys that will scale with our growing book. You will ensure customers who fall into arrears are supported with empathy, fairness, and efficiency, while protecting the financial health of the business. Powered by data, automation, and AI, your strategy will modernise how collections works in car finance.

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 Will 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.
• Building scalable processes and playbooks that balance customer care, operational efficiency, and commercial outcomes.
• Working closely with engineering to translate strategy into journeys and workflows ensuring collections is built with a product mindset rather than through manual operational fixes.
• 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 small but 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 credit risk, operations, compliance and customer support to integrate collections learnings into the broader customer journey and company strategy.
• Acting as a senior voice on collections performance — owning the relevant metrics and sharing insights that shape lending decisions and pricing strategy.

Requirements: What You Will Bring:

• 8 years+ experience in a high-ownership role in a fintech, digital consumer business, or AI company.
• A track record of owning performance outcomes and building out complex operational functions.
• Proven leadership ability to build, inspire, and scale a high-performing team who deliver results.
• Solid foundation in product, data, and AI, with experience using AI and building processes to drive efficiency and impact.
• A deeply customer-centric mindset, with the ability to design processes that support customers in difficulty with empathy and clarity.
• Analytical, structured thinker who brings clarity to complex problems, uses data to guide decisions, and drives disciplined execution.
• Open and collaborative, working cross-functionally and bringing others with you while maintaining a high bar for thinking and delivery.
• Fast-learning, organised, and solutions-focused, thriving in ambiguity, managing multiple priorities, and delivering high-quality results under pressure.
• Genuine excitement for Carmoola's mission and the opportunity to redefine how collections is done in car finance.

Benefits: 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 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.