Manager - Credit Analytics

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About Carmoola

Carmoola is a rapidly growing fintech car finance lender and we're on a mission to empower customers to save money and have the best possible experience when financing a car.

Following a successful launch of the business, we are now doubling down on our acquisition efforts, and looking for a talented analyst who can work cross-functionally to deliver significant impact across the marketing and credit risk functions.

Carmoola is a fully automated direct to consumer car finance lender. We have raised over £150M+ and are backed by some of the world's leading investors. Having just closed our Series A extension 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 credit analytics Manager, responsible for 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 customer communication strategy.

You will sit in a small, agile, high performing team of data professionals - reporting into the Head of Acquisition.

Responsibilities

• 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 customer communication 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

Need to haves

• Bachelor's, master's degree or a PhD in a STEM or a numerical subject
• Experienced with SQL and Python
• 5 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

Personality

• Faster learner / self starter
• Thrives in a fast-paced, complex environment
• Positive, high-energy problem-solver
• Open and collaborative

Benefits

• Competitive Salary (£80-£100K depending on experience)
• Equity/options package
• A vibrant, innovative working environment with a talented, supportive team
• Hybrid working model with a modern office in Primrose Hill London

Thank you for reading, and we can't wait to hear from you! If you don't have everything on the list - don't worry! At Carmoola we love working with smart, enthusiastic people, who are willing to learn.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance and Sales

Industries

IT Services and IT Consulting

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