Product Owner, Carmoola
Collections
£100-120k
3 days a week in office
Speedy car financing
Open for applications
Speedy car financing
21-100 employees
Open for applications
£100-120k
3 days a week in office
21-100 employees
Company mission
To help customers take control of and experience car finance freedom.
Role
Who you are
- Experience of delivering results in a fintech, digital consumer product, or AI company
- Proven leadership ability to build, inspire, and scale high-performing teams, with a track record of driving results
- Solid foundation in product, data, and AI, with experience using AI or building AI processes to drive efficiency and impact
- Open and collaborative — you work cross-functionally, blending analytics with operational delivery, and naturally bring others along with you
- Structured thinker — you impose clarity on complex, ambiguous problems and navigate uncertainty with a clear, methodical approach
- Fast learner and self-starter — you pick up new tools, strategies, and concepts quickly and independently
- Thrives in fast-paced, complex environments — you’re comfortable with ambiguity and figure things out as you go
- Organised and deadline-driven — you manage multiple priorities and consistently deliver high-quality results
- Positive, high-energy problem-solver — you stay solutions-focused and maintain momentum even under pressure
- Genuine excitement for Carmoola’s mission and the chance to shape the future of how people get on the road
What the job involves
- You’ll be responsible for optimising our collections and recoveries strategy, taking it to the next level, ensuring that customers who fall into arrears are managed with empathy, fairness, and efficiency while protecting the financial health of the business
- You’ll design and implement best-in-class processes powered by AI and automation that balance customer experience with strong credit outcomes, using data-driven insights and innovative approaches tailored to the unique dynamics of the car finance market
- This is a high-impact role for someone who loves digging into data, understands how to move from insights to prioritising impactful strategies, and thrives in fast-paced, high-ownership environments
- Designing and owning the end-to-end collections and recoveries strategy, from early-stage arrears through to late-stage recoveries and external partnerships. Working with engineers to deliver these features
- Building scalable processes and playbooks that balance customer care, operational efficiency, and commercial outcomes
- Delivering results by driving repayment performance, reducing arrears rates, and optimising recovery strategies
- Establishing and managing relationships with external agencies, technology providers, and other partners critical to collections and recoveries
- Building out, and leading a high-performing squad while embedding a culture of accountability, empathy, and continuous improvement
- Using data, AI, and customer insights to identify trends, inform strategy, and continuously improve processes
- Ensuring all activities meet regulatory, legal, and compliance standards, with a strong focus on the fair treatment of customers
- Partnering closely with risk, operations, and customer support to integrate collections learnings into the broader customer journey and company strategy
- Acting as a senior voice in the business on credit performance, ownership of these metrics, and providing regular updates to leadership and contributing to long-term planning
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
$20.9m
SERIES A
Feb 2023
$11.5m
SERIES A
Total funding: $72.1m
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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