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

Jack and Jill AI; Greater London; On-site; GBP 80,000 - 120,000; Full time

Job summary

A forward-thinking fintech company in London is seeking a Senior Credit Risk Manager to optimize credit risk and affordability strategies. In this impactful role, you will leverage data-driven and AI-enhanced decision-making to drive business growth while ensuring financial health. Candidates should have over 5 years of experience in auto lending and be proficient in SQL and Python. Join a culture focused on trust and empowerment while scaling a critical function within the firm.

Qualifications

• Has 5+ years' experience delivering credit results in an auto lending business.
• Experience using data and AI to drive decisions.
• Strong analytical and technical skills.

Responsibilities

• Lead the optimization of credit risk and affordability strategies.
• Develop new approaches to credit and affordability using hands-on analytics.
• Build scalable processes for operational efficiency and commercial goals.

Skills

SQL

Python

Open Banking

Credit modelling

Job description

Senior Credit Risk Manager

Salary: £80k-£120k

Company Description: Carmoola - VC-backed fintech revolutionizing car finance

Location: London, UK

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.

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

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