Collections Manager

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 £540m 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 hands-on, experienced Collections Manager to build, own, and lead the operational side of Collections.

Your Mission

You’ll take the lead on collections operations at Carmoola – shaping the strategy, setting up robust processes, and leading day-to-day execution as we scale.

From building compliant, customer-centric collections journeys, to embedding best-in-class auto finance collections practices, you’ll be the operational authority in this space. You’ll manage and develop our existing Collections team member, and work closely with Credit Risk, Customer Operations, Product and Compliance to ensure our collections activities are effective, fair, and scalable.

This is a high-impact role for someone who knows auto finance collections inside out, enjoys building from scratch, and is always looking for ways to automate and streamline processes.

What You’ll Be Doing

• Own collections operations and processes – Evolve Carmoola’s end-to-end collections approach across early and late-stage arrears, aligned with FCA expectations and best practice recovery rates in auto finance.
• Build scalable processes – Create clear, repeatable collections workflows, policies and controls that will stand up as volumes grow, focussing on automation at every turn.
• Lead and develop the team – Line-manage and coach our existing Collections team member, setting clear expectations, KPIs and development plans, with scope to grow the team over time, where we absolutely can't automate.
• Be the in-house expert – Act as the go-to authority on collections, bringing proven auto finance knowledge into a business that’s building this capability for the first time.
• Work cross-functionally – Partner closely with Credit Risk, Customer Operations, Product and Compliance to design collections journeys, monitoring and controls that balance performance with fairness.
• Drive performance with data – Monitor arrears, roll rates, cure rates and recoveries; identify issues early and continuously improve outcomes.
• Ensure regulatory excellence – Embed FCA-compliant, customer-first collections practices, ensuring policies, scripts and processes meet regulatory expectations.