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 business.

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.

Responsibilities

• Working within the credit and analytics team to build a world-class lending platform.
• Analyse ways to increase acceptance rates while maintaining performance.
• Analyse ways to reduce fraud risk.
• Proactively design and recommend changes to all aspects of the 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).
• Bachelors or master’s degree or a PhD in a STEM or a numerical subject.
• Experience in using the latest data science techniques to enhance decision-making.
• 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.

Compensation and 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.

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