Senior Credit Risk Manager (£80k-£120k) at Carmoola

Jack & Jill/External ATS; Greater London; On-site; GBP 80,000 - 120,000; Full time

Job summary

A leading fintech company is recruiting for a Senior Credit Risk Manager to optimize credit risk and affordability strategies. The role demands a candidate with over 5 years of experience in auto lending and strong technical skills in SQL and Python. You will drive growth while safeguarding financial health, using data-driven decision-making within a fast-paced environment. This position offers significant autonomy in shaping the future of the company's car loan offerings.

Qualifications

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

Responsibilities

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

Skills

Data-driven decision-making

SQL

Python

Credit modelling

Open Banking

Job description

This is a job that we are recruiting for on behalf of one of our customers.

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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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