Credit Operations DirectorContract

Forvis Mazars; City of Westminster; On-site; GBP 80,000 - 120,000; Full time

Job summary

A dynamic fintech company in the UK seeks a Senior Credit Risk Manager to lead the optimization of credit risk and affordability strategy. In this critical role, you will drive growth through data-driven decision-making while safeguarding financial health. Ideal candidates should have over 5 years' experience in auto lending and strong technical skills in SQL and Python. This high-impact position is central to the financial performance of the business and offers an opportunity to shape its future successfully.

Qualifications

• 5+ years' experience delivering credit results in an auto lending business.
• Strong technical foundation in SQL and Python.
• Ability to thrive in fast-paced, complex environments.

Responsibilities

• Develop new approaches to credit and affordability using analytics.
• Build scalable processes balancing customer outcomes and commercial goals.
• Improve credit performance and reduce arrears rates.

Skills

5+ years' experience in auto lending

Data-driven decision-making

SQL

Python

Credit modelling

Open Banking

Job description

Senior Credit Risk Manager

Company Description

Carmoola - VC-backed fintech revolutionizing car finance

Salary: £80k-£120k

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.

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.

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:

To apply for this job speak to Jack, our AI recruiter.

1. Visit our website.
2. Click 'Speak with Jack'.
3. Login with your LinkedIn profile.
4. Talk to Jack for 20 minutes so he can understand your experience and ambitions.
5. If the hiring manager would like to meet you, Jack will make the introduction.