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Senior Credit Risk Manager
Salary: £80k–£120k
Company Description: Carmoola – VC-backed fintech revolutionizing car finance
Job Description:
Join Carmoola, a fast-growing fintech, as a Senior Credit Risk Manager to optimize credit risk and affordability strategy. You’ll drive growth while safeguarding financial health, using data-driven and AI-powered decision-making to shape the future of their car loan offering. This is a high-impact, analytical role central to scaling one of the business’s most critical functions.
Location: London, UK
Why this role is remarkable:
* Lead the optimization of credit risk and affordability strategy, directly influencing business growth and financial performance.
* Join a rapidly scaling fintech backed by £430m+ from top-tier investors (including QED) and trusted by more than 15,000 customers.
* Take ownership in a high-impact role with significant autonomy within a culture built on trust, kindness, and empowerment.
What you will do:
* Develop new approaches to credit and affordability using hands-on analytics and robust data-driven decision-making.
* Build scalable processes that balance customer outcomes, operational efficiency, and commercial goals.
* Improve credit performance and reduce arrears rates, delivering measurable in-market impact.
The ideal candidate:
* Has 5+ years’ experience delivering credit results in an auto lending business, using data and AI to drive decisions.
* Strong technical foundation in SQL/Python, Open Banking, and credit modelling.
* A structured thinker who thrives in fast-paced, complex environments and brings clarity to ambiguous problems.
How to Apply:
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