Carmoola is a rapidly growing fintech car finance lender. Following a successful launch of the business. There is now an amazing opportunity for someone to come in and help take the credit risk and analytics function to the next level. 

Carmoola is a fully automated direct to consumer car finance lender. We have raised over £140M+ and are backed by some of the world’s leading investors like QED. Having just closed our Series A+ funding round and senior debt facility we are now focused on scaling the businesses. 

Your role in our mission 

We are looking for an exceptional and seasoned Head of Data Science. You will lead the company’s Credit Scoring, Fraud, and Collections / Customer Engagement analysis strategy. 

Requirements

Responsibilities

• Working within the credit and analytics team to build a world class lending platform
• Work with the team to analyse ways to increase acceptance rates while maintaining performance
• Work with the team to analyse ways to reduce fraud risk 
• Work with the team to proactively design and recommend changes to the all aspects of decision engine
• Own the Collections strategy and deliver solutions to improve debt recovery
• Create testing frameworks 

Need-to-Haves

• 5 years+ experience in an analytically strong financial services provider
• A good understanding of the regulatory environment, especially responsible lending (creditworthiness/ affordability) 
• Bachelor's or master’s degree or a PhD in a STEM or a numerical subject 
• Experience in using the latest data science technique to enhance decisioning
• Fraud prevention experience
• Strong background in risk management
• Experience preparing materials for senior audiences

Nice-to-Haves

• Python programming expertise
• Collections strategy experience
• Open banking experience

Personality

• Faster learner / self starter
• Level headed
• Open and collaborative 
• High energy and resilience with the ability to adapt to evolving business needs.

Benefits

• Competitive salary (£120-£140k, depending on experience)
• Equity/options package
• The opportunity to build and shape a data science function from the ground up
• A vibrant, innovative working environment with a talented, supportive team
• Hybrid working model with a modern office in Primrose Hill London