Director of Lending and Data Analytics

Carmoola
London
10 months ago
Applications closed

Related Jobs

View all jobs

Senior Credit Risk Analyst - Consumer Lending / Loans

Head of Analytics & Data Science Decision Sciences & Machine Learning · ·

Lead Data Scientist[975963]

Head of Analytics & Data Science

Director of Healthcare Analytics

Director of Data Science & AI – Global Manufacturing Transformation

Intro

Carmoola is a rapidly growing fintech car finance lender. Following a successful launch, we now have an amazing opportunity for someone to elevate our operations to the next level.

We are a fully automated, direct-to-consumer car finance lender, having raised over £140M and backed by world-leading investors like QED. After closing our Series A+ funding round and securing a senior debt facility, we are focused on scaling the business.

Your Role in Our Mission

We are looking for an exceptional and seasoned Director of Lending to lead our Credit and Underwriting Strategy, Fraud Strategy, Credit Risk Management, and Pricing.

Responsibilities

•Collaborate with the senior team to build a world-class lending platform.

•Expand the team over time and manage two direct reports.

•Set and implement the overall strategy.

•Proactively design and recommend changes to all aspects of the decision engine.

•Create and manage testing frameworks.

•Analyse and improve acceptance rates while maintaining performance.

•Develop strategies to reduce fraud risk.

•Manage bad debt numbers in line with the company’s risk appetite.

•Maintain policy documents (lending policy, affordability policy, and fraud policy).

•Run the credit committee.

Requirements

Need to Haves

•5+ years of experience in a highly automated fintech-enabled consumer lender (cards, loans, etc.).

•Background at Capital One or a close equivalent.

•Strong understanding of the regulatory environment, especially responsible lending (creditworthiness/affordability).

•Bachelor’s, master’s, or PhD in a STEM or numerical subject.

•Experience preparing materials for or running committees with senior directors, such as Credit Risk Committees.

•Strong leadership skills.

•Ability to help the CEO build a strong credit risk management culture.

Nice to Haves

•Experience using the latest data science techniques to enhance decision-making (not critical).

•Experience setting the pricing strategy for lending products.

•Fraud prevention experience.

•Open banking experience.

Personality

•Fast learner

•Level-headed

•Open and collaborative

•High energy

Benefits

What’s In It for You

•£130-£175k salary

•Equity/Options

•Opportunity to build from the ground up

•Great working environment

If you are ready to make a significant impact and help us shape the future of car finance, we would love to hear from you!

Get the latest insights and jobs direct. Sign up for our newsletter.

By subscribing you agree to our privacy policy and terms of service.

Industry Insights

Discover insightful articles, industry insights, expert tips, and curated resources.

Jobs

Portfolio Projects That Get You Hired for AI Jobs (With Real GitHub Examples)

In the fast-evolving world of artificial intelligence (AI), an impressive portfolio of projects can act as your passport to landing a sought-after role. Even if you’ve aced interviews in the past, employers in AI and machine learning (ML) are increasingly asking candidates to demonstrate hands-on experience through the projects they’ve built and shared online. This is because practical ability often speaks volumes about your suitability for a role—far more than any exam or certification alone could. In this article, we’ll explore how to build an outstanding AI portfolio that catches the eye of recruiters and hiring managers, including: Why an AI portfolio is crucial for job seekers. How to choose AI projects that align with your target roles. Specific project ideas and real GitHub examples to help you stand out. Best practices for showcasing your work, from writing clear READMEs to using Jupyter notebooks effectively. Tips on structuring your GitHub so that employers can instantly see your value. Moreover, we’ll discuss how you can use your portfolio to connect with top employers in AI, with a handy link to our CV-upload page on Artificial Intelligence Jobs for when you’re ready to apply. By the end, you’ll have a clear roadmap to building a portfolio that will help secure interviews—and the AI job—of your dreams.

Jobs Careers

AI Job Interview Warm‑Up: 30 Real Coding & System‑Design Questions

In today's competitive AI job market, nailing a technical interview can be the difference between landing your dream role and getting lost in the crowd. Whether you're looking to break into machine learning, deep learning, NLP (Natural Language Processing), or data science, your problem-solving skills and system design expertise are certain to be put to the test. AI‑related job interviews typically involve a range of coding challenges, algorithmic puzzles, and system design questions. You’ll often be asked to delve into the principles of machine learning pipelines, discuss how to optimise large-scale systems, and demonstrate your coding proficiency in languages like Python, C++, or Java. Adequate preparation not only boosts your confidence but also reduces the likelihood of fumbling through unfamiliar territory. If you’re actively seeking positions at major tech companies or innovative AI start-ups, then check out www.artificialintelligencejobs.co.uk for some of the latest vacancies in the UK. Meanwhile, this blog post will guide you through 30 real coding & system-design questions you’re likely to encounter during your AI job interview. This list is designed to help you practise, anticipate typical question patterns, and stay ahead of the competition. By reading through each question and thinking about the possible approaches, you’ll sharpen your problem-solving skills, time management, and critical thinking. Each question covers fundamental concepts that employers regularly test, ensuring you’re well-equipped for success. Let’s dive right in.

Jobs

Negotiating Your AI Job Offer: Equity, Bonuses & Perks Explained

Artificial intelligence (AI) has proven itself to be one of the most transformative forces in today’s business world. From smart chatbots in customer service to predictive analytics in finance, AI technologies are reshaping how organisations operate and innovate. As the demand for AI professionals grows, so does the complexity of compensation packages. If you’re a mid‑senior AI professional, you’ve likely seen job offers that include far more than just a base salary—think equity, bonuses, and a range of perks designed to entice you into joining or staying with a company. For many, the focus remains squarely on salary. While that’s understandable—after all, your monthly take‑home pay is what covers day-to-day expenses—limiting your negotiations to salary alone can leave considerable value on the table. From stock options in ambitious startups to sign‑on bonuses that ‘buy you out’ of your current contract, modern AI job offers often include elements that can significantly boost your long-term wealth and job satisfaction. This article aims to shed light on the full scope of AI compensation—specifically focusing on how equity, bonuses, and perks can enhance (or sometimes detract from) the overall value of your package. We’ll delve into how these elements work in practice, what to watch out for, and how to navigate the negotiation process effectively. Our goal is to provide mid‑senior AI professionals with the insights and tools to land a holistic compensation deal that accurately reflects their technical expertise, leadership potential, and strategic importance in this fast-moving field. Whether you’re eyeing a leadership role in machine learning at an established tech giant, or you’re considering a pioneering position at a disruptive AI startup, the knowledge in this guide will help you weigh the merits of base salary alongside the potential riches—and risks—of equity, bonuses, and other benefits. By the end, you’ll have a clearer sense of how to align your compensation with both your immediate lifestyle needs and long-term career aspirations.

🍪 We use cookies to enhance your browsing experience on our website. By continuing to use this site, you consent to the use of cookies as described in our Cookie Policy. You can review our Cookie Policy for more information.