Senior Credit Analyst
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 analyst, 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 CRM activities.
You will sit in a small, agile, high performing team of data professionals - reporting into the Head of Acquisition.
Requirements
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 CRM 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
- Bachelor's, master’s degree or a PhD in a STEM or a numerical subject
- Experienced with SQL and Python
- 3 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
- Faster learner / self starter
- Thrives in a fast-paced, complex environment
- Positive, high-energy problem-solver
- Open and collaborative
Benefits
What's in it for you?- Competitive Salary (£60-£80K 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.