Product Owner - Collections in London

Join the Revolution in Car Finance at Carmoola, where we are changing the way people get on the road - making it faster, fairer, and entirely built around the customer. 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, commercially-minded operator who can own and scale Collections end-to-end — blending strategy, operations, and product thinking to build a modern, customer-centric function. Our ideal candidate has experience of delivering amazing results in a fintech, digital consumer product, or AI company.

Your Mission

• 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.
• 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’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.
• 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

• 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

• 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.