At Carmoola, we’re changing the way people get on the road – making it faster, fairer, and entirely built around the customer. We’ve started with car finance, reimagining it from the ground up with a seamless, digital experience that puts drivers in control.

Since launch, we’ve raised over £240m from top-tier investors (including QED), helped over 10,000 customers get behind the wheel – and we’re scaling fast. But we’re just getting started.

Your 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

What You’ll Be Doing

• Working within the credit and analytics team to build a world class lending platform
• Analyse ways to increase acceptance rates while maintaining performance
• Identify data and algorithmic opportunities to reduce fraud risk
• Own the Collections strategy and deliver solutions to improve debt recovery
• Create analytic testing frameworks

What You’ll Bring

• 5 years+ experience in an analytically strong financial services provider
• Eagerness to get ‘stuck in’, collaborate with different teams and work across a wide range of different areas.
• A good understanding of the regulatory environment, especially responsible lending (creditworthiness/ affordability)
• Experience in using the latest data science techniques to enhance decisioning
• Strong background in risk management

Benefits

Why Join Carmoola?

• 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

Join Carmoola in reshaping the world of car finance with your data skills. We celebrate diversity and encourage individuals from all backgrounds to apply. Carmoola is driving change in car finance – come be part of it!