Product Manager

Carmoola; London; Hybrid; GBP 80,000 - 95,000; Full time

Job summary

Carmoola is seeking a Product Manager to lead the evolution of their Loans Squad, focusing on enhancing the Loan Management System and Collections Hub. This high-impact role requires a blend of finance and product management experience, offering autonomy and the chance to shape customer experience post-loan activation. Join a fast-growing company with a competitive salary and a culture of trust and ownership.

Benefits

Competitive salary range of £80–95k

Hybrid working: 3 days a week in London office

High-impact role with room to grow

Culture of trust, kindness and ownership

Qualifications

• Experience in a finance role within a fintech or financial services company.
• Strong grasp of reporting and operational functionalities.
• Comfortable discussing architecture, workflows, and APIs.

Responsibilities

• Own and evolve Loan Management System and Collections Hub.
• Build financial and operational automations.
• Collaborate on compliance and legal updates.
• Develop and maintain reconciliation flows.
• Work with engineers to scope and deliver scalable systems.
• Use systems thinking to improve processes.

Skills

Product + finance experience

System design skills

Technical fluency

Analytical mindset

Collaborative style

Autonomy and ownership

Mission-alignment

Job description

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 £240m from top-tier investors (including QED), helped over 10,000 customers get behind the wheel – and we’re scaling fast.

To take things to the next level, we’re looking for a sharp, systems-savvy and financially fluent Product Manager to lead the evolution of our Loans Squad – a key area driving post-loan activation excellence.

Your Mission

You’ll take the reins on owning and enhancing our Loan Management System and Collections Hub – from building out smarter, scalable automation for financial and operational processes, to streamlining compliance updates and reconciliation workflows. You’ll have a huge amount of autonomy and responsibility from day one, and the opportunity to shape how we deliver excellence after the loan goes live.

This is a high-impact role for someone who combines a solid grounding in finance with strong product instincts and systems thinking. You’ll work cross-functionally with engineers, finance, ops, legal and compliance teams to solve problems that directly affect our operations and customer experience.

What You’ll Be Doing

• Own and evolve our Loan Management System and Collections Hub. Design and deliver core product features that support the full lifecycle of an active loan.
• Build financial and operational automations. Work closely with Finance and Ops to automate manual processes and reduce friction, driving efficiency across teams.
• Collaborate on compliance and legal updates. Lead initiatives to ensure timely and accurate updates to statutory customer notices and regulatory communications.
• Develop and maintain reconciliation flows. Support the Finance team with tools and integrations that enable seamless, accurate reconciliation.
• Be the glue between tech and operations. Work hand-in-hand with engineers to scope, prioritise and deliver scalable systems.
• Use systems thinking to improve processes. Take a holistic view to optimise end-to-end flows and unlock long-term operational gains.

What You’ll Bring

• Product + finance experience. You’ve worked in a finance role (e.g. finance analyst, systems accountant, or similar) within a fintech or financial services company and transitioned into product management.
• System design skills. You have a strong grasp of reporting and operational functionalities of a finance data platform and enjoy solving complex operational and technical challenges.
• Technical fluency. You’ve worked closely with engineers and are comfortable discussing architecture, workflows, and APIs.
• Analytical mindset. You’re data-driven and use insights to inform product decisions and iterate.
• Collaborative style. You work well with cross-functional teams and can align diverse stakeholders.
• Autonomy and ownership. You’re proactive, self-directed, and thrive on taking full ownership of your domain.
• Mission-alignment. Genuine excitement for Carmoola’s mission and the chance to shape how people get on the road.

Why Join Carmoola?

• Competitive salary range of £80–95k (depending on experience)
• 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 product and operations – with the opportunity to shape and expand the role over time by delivering real results and unlocking new growth 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.