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- Tasks: Lead and innovate the collections strategy in car finance, ensuring customer support and operational efficiency.
- Company: Carmoola, a fast-growing fintech revolutionising car finance with a customer-centric approach.
- Benefits: Competitive salary, yearly bonuses, and a dynamic work environment.
- Why this job: Make a real impact in transforming how collections are handled in the car finance industry.
- Qualifications: 8+ years in fintech or digital consumer roles, strong leadership, and analytical skills.
- Other info: Join a passionate team dedicated to redefining customer experiences in finance.
The predicted salary is between 80000 - 120000 £ per year.
Join the Revolution in Car Finance. At Carmoola, we’re changing the way people get on the road – making it faster, fairer, and entirely built around the customer. We’ve 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 we’re scaling fast.
To take things to the next level, we’re 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
- You’ll 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’ll 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.
- Work 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.
- Act as a senior voice on collections performance — owning the relevant metrics and sharing insights that shape lending decisions and pricing strategy.
Requirements
What You’ll 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: £100k-120k, depending on experience.
Product Owner - Collections (Hiring Immediately) in London employer: Carmoola
Contact Detail:
Carmoola Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Product Owner - Collections (Hiring Immediately) in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech and car finance sectors on LinkedIn. A friendly message can go a long way, and you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for interviews by researching Carmoola's mission and values. Show us that you're genuinely excited about redefining collections in car finance. Tailor your answers to reflect how your experience aligns with our goals.
✨Tip Number 3
Practice your pitch! Be ready to explain how your skills in data analysis and customer-centric strategies can help improve collections outcomes. We want to see your passion for using data to drive impactful decisions.
✨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 us you’re serious about joining the Carmoola revolution!
We think you need these skills to ace Product Owner - Collections (Hiring Immediately) in London
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Product Owner role. Highlight your experience in fintech or digital consumer products, and show how your skills align with our mission at Carmoola.
Showcase Your Data Skills: Since we’re all about data-driven decisions, don’t forget to mention any experience you have with analytics or AI. Share specific examples of how you've used data to improve processes or outcomes in previous roles.
Emphasise Customer-Centric Mindset: We value empathy and clarity in customer interactions. In your application, illustrate how you've designed processes that support customers, especially those facing difficulties. This will resonate well with our values.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to see your application and get you into the process quickly. Plus, it shows you’re keen on joining our revolution in car finance!
How to prepare for a job interview at Carmoola
✨Know Your Numbers
As a Product Owner in Collections, you'll need to be data-savvy. Brush up on key metrics related to collections and recoveries, and be ready to discuss how you've used data to drive performance in previous roles. This shows you understand the importance of analytics in making informed decisions.
✨Empathy is Key
Carmoola values customer-centricity, especially when dealing with customers in arrears. Prepare examples of how you've approached difficult conversations with empathy and clarity. Highlighting your ability to balance business needs with customer care will resonate well with the interviewers.
✨Showcase Your Leadership Style
You'll be leading a high-performing team, so be ready to discuss your leadership philosophy. Share specific instances where you've inspired and scaled teams, focusing on how you foster accountability and continuous improvement. This will demonstrate that you're not just a manager, but a true leader.
✨Be Ready to Innovate
Carmoola is looking for someone who can modernise collections using AI and automation. Think about innovative strategies you've implemented in the past and be prepared to discuss how you would apply similar thinking to Carmoola's collections process. Show them you're not afraid to think outside the box!