Senior Compliance Manager in London

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 £540m from top-tier investors, helped over 15,000 customers get behind the wheel – and we’re scaling fast.

This is not your typical compliance role. We’re looking for an exceptional Senior Compliance Manager who wants to completely rethink how compliance works. Someone who doesn't just understand regulation, but gets excited about building the systems, tools and technology that make compliance smarter, faster and more effective. We believe the future of compliance isn't about bigger teams, endless spreadsheets and manual checklists. It's about combining brilliant people, smart processes, AI and automation to build a function that's more proactive, more comprehensive and more scalable than ever before.

Your Mission: You'll play a pivotal role in taking Carmoola's compliance function to the next level, combining deep regulatory knowledge with a builder's mentality and an obsession with continuous improvement. Working directly with our Director of Legal, Compliance & Collections, you'll have the autonomy, responsibility and support to challenge how things have always been done and build something genuinely different. Your mission is to help create a technology-first, AI-enabled compliance function that doesn't compromise on quality, customer outcomes or regulatory standards.

Requirements:

• Strong regulatory compliance experience: Experience in financial services compliance, ideally within consumer credit, lending, fintech or another FCA-regulated business.
• A genuine builder's mentality: You love solving problems, creating tools, improving systems and making things work better.
• Real enthusiasm for AI and automation: You're excited about what AI can do and want to push the boundaries of how it can be used responsibly in a regulated environment.
• A track record of making things happen: You take ownership, develop solutions and see them through to delivery.
• Excellent regulatory judgement: You can interpret complex requirements and apply regulation proportionately.
• A curious, analytical mind: You ask questions, challenge assumptions and enjoy working with data.
• A high bar for quality: You care about getting things right and take pride in building reliable and accurate tools.
• Comfort with ambiguity and change: You thrive in a fast-moving environment where priorities evolve.
• Brilliant communication and collaboration skills: You can explain complex regulatory topics in plain English and influence stakeholders.
• A growth mindset: You're constantly learning, experimenting and developing new skills.

Benefits:

• Competitive salary: £70,000–£85,000, depending on experience.
• Yearly performance-based pay reviews.
• Hybrid working: 3 days a week in our London office.
• Holidays: 30 days + bank holidays, plus an extra day on your birthday.
• 15 days a year to work from anywhere.
• Private healthcare.
• Pension: 5% employer matched contribution.
• Cycle to Work Scheme.
• Real ownership and autonomy to experiment, innovate and build tools.
• The opportunity to shape the future of compliance at a fast-growing fintech.
• The chance to play a pivotal role inside a fast-growing fintech during a meaningful stage of its journey.

If you're an ambitious compliance professional who loves technology, thrives on solving problems and wants to build something they're genuinely proud of, we'd love to hear from you.