{"id":441787,"url":"https://alion.io/job/carmoola-collections-analyst","title":"Collections Analyst","company":{"id":172129,"name":"Carmoola","domain":"carmoola.co.uk","url":"https://alion.io/company/carmoola","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":60000,"max":70000,"currency":"GBP","period":"year","gross":null,"usd_annual":93700},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-08-26T00:00:00Z","employer_posted_date":"2026-08-26","last_verified_at":"2026-10-29T07:18:32Z","board_verified":true,"closed_at":null,"days_open":64,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":64},"description":"Location: London (hybrid, minimum 2 days a week in the office) Type: Full-time\nJoin the Revolution in Car Finance\nAt 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.\nSince launch, we've raised over £560m from top-tier investors (including QED), helped over 25,000 customers get behind the wheel, and we're scaling fast.\nAs we grow, so does our Collections function, and we're looking for an analytical, commercially-minded Collections Analyst to use data to shape how we support customers who fall behind, and to make sure we do it fairly, effectively and at scale.\nYour Mission\nYou'll own the numbers behind our Collections function. You'll dig into the data to understand what's working, where customers are struggling, and how we can help more of them get back on track. Your analysis will directly shape our collections strategy, and the recommendations you make will influence real decisions about how we operate.\nThis is not a phones role. You'll be the analytical brain of the team, turning data into insight and insight into action. To help you move fast, you'll have a suite of embedded AI tools at your fingertips to speed up your analysis, surface patterns and turn data into recommendations. It's a brilliant opportunity to build deep expertise in collections while getting wide exposure to how a fast-scaling lender really works.\nWhat You'll Be Doing\nAnalyse collections performance. Build and maintain reporting on arrears, roll rates, cure rates, payment arrangements and recoveries, and turn it into clear, usable insight.\nShape collections strategy. Use data to identify what drives good customer outcomes, and make evidence-based recommendations that improve both customer experience and portfolio performance.\nTest and learn. Design and evaluate experiments across contact strategies, segmentation and treatment paths, and measure their real impact.\nModel and forecast. Support forecasting of arrears and losses, and help size the impact of proposed changes before we make them.\nPartner across the business. Work closely with the Collections team, Operations, Finance and Risk to bring your recommendations to life.\nKeep it fair and compliant. Make sure strategies and treatments align with FCA CONC guidance, Consumer Duty and the fair treatment of customers, especially those in vulnerable circumstances.\nRequirements\nWhat You'll Bring\nStrong analytical skills. You're confident working with data, comfortable in SQL and spreadsheets (and ideally a BI tool or two), and able to turn messy numbers into a clear story.\nA genuine interest in collections. You're curious about how lending, arrears and customer behaviour work, and you want to build real expertise in this space. Direct collections experience is a bonus, not a requirement.\nCommercial judgement. You connect the analysis to real decisions and understand the trade-offs between customer outcomes and business performance.\nClear communication. You can explain your findings simply to people who aren't analysts, and make a persuasive, well-evidenced case for change.\nA self-starter mindset. You can take an open question, structure it, and drive it through to a clear answer with limited direction.\nKeen to work with AI. We've built a suite of embedded AI tools into how we work, and we want someone genuinely excited to use them to analyse faster, dig deeper and get to better answers.\nCare for the customer. Even though you're not on the phone, you keep fair outcomes and Consumer Duty front of mind in everything you recommend.\nGenuine excitement for Carmoola's mission and the chance to help shape how people get on the road.\nIf you don't tick every box, please apply anyway. We care far more about attitude, curiosity and potential than a perfect match on paper, and we'd love to hear from you.\nBenefits\nWhy Join Carmoola?\nSalary range of £60k to £70k, depending on experience\nYearly performance-based pay reviews\nHybrid working: at least 2 days a week in our London office, in the heart of beautiful Primrose Hill\nHolidays: 30 days + bank holidays, plus an extra day on your birthday\n15 days a year to work from anywhere\nPrivate healthcare\nPension: 5% employer matched contribution\nCycle to Work Scheme\nJoin a mega-talented and high performing team\nThe chance to play a pivotal role inside a fast-growing fintech during a meaningful stage of its journey.","description_format":"text","description_chars":4547,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Hybrid work"],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops","Leasing, Auto & Equipment Finance"],"lifecycle":[{"event":"open","at":"2026-09-06T07:27:08Z"}],"visa":[],"liveness":{"score":10,"band":"cold","label":"Long shot","p_open":1,"p_active":0.357,"p_room":0.28,"age_days":64,"expected_fill_days":24,"reasons":["conf:2","win:tail","crowd:"],"computed_at":"2026-10-29T05:49:05Z"},"pay":{"stated_usd_annual":93700,"is_top_pay":false},"html_url":"https://alion.io/job/carmoola-collections-analyst","json_url":"https://alion.io/job/carmoola-collections-analyst.json","meta":{"generated_at":"2026-10-29T08:35:55Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":12946,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-30T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":172129},"rest":"https://alion.io/mcp/rest/get_company?id=172129"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcarmoola-collections-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcarmoola-collections-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcarmoola-collections-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/carmoola-collections-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcarmoola-collections-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":441787}},{"tool":"search_jobs","arguments":{"company":"carmoola.co.uk","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":441787},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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