Head of Collections and Recoveries bei Carmoola

Join the Revolution in Car Finance 🚗💥

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 £430m from top-tier investors (including QED), helped over 11,000 customers get behind the wheel – and we’re scaling fast.

To take things to the next level, we’re looking for a sharp, structured, and commercially-minded Head of Collections and Recoveries to develop the strategy and scale a critical part of our business. Our ideal candidate has experience of delivering amazing collections results in a car finance or leasing business.

Your Mission

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 with a high degree of 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 loan market.

This is a high-impact role for someone who loves digging into data, understands how to move from insights to pragmatic in-market strategies, and thrives in fast-paced, high-ownership environments. 

What You’ll Be Doing

• Designing and owning the end-to-end collections and recoveries strategy, from early-stage arrears through to late-stage recoveries and external partnerships.
• Building scalable processes, policies, and playbooks that balance customer care, operational efficiency, and commercial outcomes.
• Delivering in-market 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.
• Recruiting, coaching, and leading a high-performing team 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 product, risk, operations, and customer service to integrate collections into the broader customer journey and company strategy.
• Acting as a senior voice in the business on credit performance, providing regular updates to leadership and contributing to long-term planning.

Requirements

• Experience of delivering amazing collections and recoveries results in a secured lending, car financing or car leasing business built on data and AI.
• Proven leadership ability to build, inspire, and scale high-performing teams, with a track record of driving results.
• Solid foundation in 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.

Benefits

• Competitive salary range of £100-£120k
• Hybrid working: 3 days a week in our London office, in the heart of beautiful Primrose Hill
• A high-impact role with room to grow. You'll own a core area of our business – with the opportunity to shape and expand the role over time by delivering real results and unlocking new opportunities.
• A culture of trust, kindness and ownership. We move fast, support each other, and enjoy the ride.

If this sounds like your kind of challenge, let’s talk.