Senior Credit Analyst, Carmoola
£60-80k
+ Equity/options package
Office located in Primrose Hill, London
Speedy car financing
Job no longer available
Speedy car financing
21-100 employees
Job no longer available
£60-80k
+ Equity/options package
Office located in Primrose Hill, London
21-100 employees
Company mission
To help customers take control of and experience car finance freedom.
Role
Who you are
- Bachelor's, master’s degree or a PhD in a STEM or a numerical subject
- Experienced with SQL and Python
- 3 years+ experience in an analytically strong financial services provider
- A good understanding of the regulatory environment, especially responsible lending
- Knowledge and understanding of acquisition channels relevant to Carmoola
- Experience analysing data to find growth levers and set strategy
- Deep understanding of credit risk, and selection effects that can impact overall NPV and loan performance
- Faster learner / self starter
- Thrives in a fast-paced, complex environment
- Positive, high-energy problem-solver
- Open and collaborative
What the job involves
- We are looking for an exceptional credit analyst, finding opportunities to maximise overall NPV of our lending
- You will set agenda for our marketing and credit strategies, use data driven insights to unlock sustainable growth, and lead the company’s CRM activities
- You will sit in a small, agile, high performing team of data professionals - reporting into the Head of Acquisition
- Analyse and monitor full funnel data across the acquisition journey and implement a test and learn approach to identify new opportunities
- Design and recommend tests and changes to all aspects of acquisition
- Set roadmaps for growth initiatives based on data insights
- Analyse opportunities to increase accept rates while maintaining performance
- Take a data driven approach to prioritisation of initiatives for the acquisition squad
- Build a world class CRM strategy across the full customer lifecycle
- Take ownership of data products requirements that are needed for monitoring
- Perform pricing testing and analysis to ensure we are balancing product competitiveness with conversion
Salary benchmarks
Our take
The current car buying experience lacks clarity around pricing and cost, meaning that buyers are often unable to make informed decisions regarding financing until very late into the process. Carmoola offers a solution to this by providing speedy financing options at the start of the buying process, placing control back into customers' hands.
The company is able to offer this radically different strategy through new, innovative ways of approaching risk assessments that are geared towards transparency. Further, while other digital lenders and brokers require some phone calls and paperwork, Carmoola differentiates itself by operating entirely online for a more streamlined customer experience.
Funding has allowed the company to scale rapidly, and future plans include a continuation of this growth through new hires and development invested into its platform.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 5 rounds)
Jan 2024
$20.1m
EARLY VC
Feb 2023
$11.1m
SERIES A
Total funding: $69.5m
Company benefits
- Sky's the limit growth opportunities
- Stock Options, we want you to share in the success that we are building together
- The opportunity to learn fast, amongst like minded peers
- Modern office space in bustling Kings Cross, with all the expected Startup Mod Cons
- 25 days Holiday (+Bank Holidays)
Company HQ
Royal Arsenal, London, UK
Leadership
Roman Sumnikov
(Co-CTO & Co-Founder)Held senior and lead roles as a Software Engineer at Avery Products, Book2Meet and Vable. Sumnikov also worked as the Head of Engineering then CTO at Movebubble.
Aidan Rushby
(CEO & Co-Founder)Previously the co-founder and CEO of Movebubble.
Amy McKechnie
(Director of Product and Operations & Co-Founder)Previously worked as a Marketing and Events Co-ordinator for Zoopla and founded My Princess Party. McKechnie also worked as Product Owner then Head of Product at Movebubble.
Igor Gordiichuk
(Co-CTO & Co-Founder)Previously worked as a Senior Software Engineer and Team Lead at WDS. Also worked as a Lead Software Engineer at Vable and CTO at Movebubble.
Jasper Dykes
(Boardmember & Co-founder)Dykes is the founder and current CEO of Fly Now Pay Later. He is also an investor in Revolut and Mercury.
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