Product Owner - Collections

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 15,000 customers get behind the wheel – and we’re scaling fast.

To take things to the next level, we’re looking for a sharp, structured, commercially-minded operator who can own and scale Collections end-to-end — blending strategy, operations and product thinking to build a modern, customer-centric function. Our ideal candidate has experience of delivering amazing results in a fintech, digital consumer product, or AI company.

Your Mission

You’ll be accountable for the performance of collections and recoveries — improving arrears outcomes, optimising recoveries, and building the systems, processes, and journeys that will scale with our growing book. You’ll ensure customers who fall into arrears are supported with empathy, fairness, and efficiency, while protecting the financial health of the business. Powered by data, automation, and AI, your strategy will modernise how collections works in car finance.

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. 

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 and playbooks that balance customer care, operational efficiency, and commercial outcomes.
• Work closely with engineering to translate strategy into journeys and workflows ensuring collections is built with a product mindset rather than through manual operational fixes.
• 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 small but 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 credit risk, operations, compliance and customer support to integrate collections learnings into the broader customer journey and company strategy.
• Act as a senior voice on collections performance — owning the relevant metrics and sharing insights that shape lending decisions and pricing strategy.

Requirements

What You’ll Bring

• 8 years+ experience in a high-ownership role in a fintech, digital consumer business, or AI company.
• A track record of owning performance outcomes and building out complex operational functions
• Proven leadership ability to build, inspire, and scale a high-performing team who deliver results.
• Solid foundation in product, data, and AI, with experience using AI and building processes to drive efficiency and impact.
• A deeply customer-centric mindset, with the ability to design processes that support customers in difficulty with empathy and clarity.
• Analytical, structured thinker who brings clarity to complex problems, uses data to guide decisions, and drives disciplined execution.
• Open and collaborative, working cross-functionally and bringing others with you while maintaining a high bar for thinking and delivery.
• Fast-learning, organised, and solutions-focused, thriving in ambiguity, managing multiple priorities, and delivering high-quality results under pressure.
• Genuine excitement for Carmoola’s mission and the opportunity to redefine how collections is done in car finance.

Benefits

Why Join Carmoola?

• 💰 Competitive salary: £100k-120k, depending on experience
• 🔎 Yearly performance-based pay reviews
• 💼 Hybrid working: 3 days a week in our London office, in the heart of beautiful Primrose Hill
• 🏝️ Holidays: 30 days + bank holidays, plus an extra day on your birthday 🥳
• 🌎 15 days a year to work from anywhere
• 🩺 Private healthcare
• 📈 Pension: 5% employer matched contribution
• 🏋 Join a mega-talented and high performing team
• The chance to play a pivotal role inside a fast-growing fintech during a meaningful stage of its journey.

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