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.
This is not your typical compliance role. And we're not looking for your typical compliance professional.
We're looking for an exceptional Senior Compliance Manager who wants to completely rethink how compliance works. Someone who doesn't just understand regulation, but gets excited about building the systems, tools and technology that make compliance smarter, faster and more effective.
We believe the future of compliance isn't about bigger teams, endless spreadsheets and manual checklists. It's about combining brilliant people, smart processes, AI and automation to build a function that's more proactive, more comprehensive and more scalable than ever before.
We want someone who shares that vision. Someone who sees a repetitive compliance task and immediately thinks, "There must be a better way to do this." Someone who wants to experiment with AI, build automated workflows and agents, and create solutions that fundamentally change how compliance operates.
We're looking for a genuine bar raiser. Someone who doesn't just want to work in a great compliance function, but wants to build one.
If that sounds exciting rather than intimidating, we'd love to hear from you.
Your Mission
You'll play a pivotal role in taking Carmoola's compliance function to the next level, combining deep regulatory knowledge with a builder's mentality and an obsession with continuous improvement.
Working directly with our Director of Legal, Compliance & Collections, you'll have the autonomy, responsibility and support to challenge how things have always been done and build something genuinely different.
Your mission is to help create a technology-first, AI-enabled compliance function that doesn't compromise on quality, customer outcomes or regulatory standards.
That means everything from strengthening our compliance monitoring framework and embedding Consumer Duty, to designing automated controls, developing AI agents that can perform compliance tasks, and finding creative ways to identify risks before they become problems.
We're not expecting you to arrive knowing how to code everything from scratch. But we do expect you to be curious, technically confident and genuinely enthusiastic about getting your hands dirty with new tools. You'll need to be the kind of person who doesn't wait for an engineering team to solve every problem, but is excited to prototype, experiment and build solutions yourself.
This is an opportunity to have a huge impact, shape the direction of the function and demonstrate what modern compliance can really look like.
Requirements
What You'll Bring
Strong regulatory compliance experience – You'll have experience in financial services compliance, ideally within consumer credit, lending, fintech or another FCA-regulated business. You understand what a strong compliance function looks like and have the expertise to help us build one.
A genuine builder's mentality – This is absolutely essential. You're not someone who is happy maintaining processes simply because they've always existed. You love solving problems, creating tools, improving systems and making things work better.
Real enthusiasm for AI and automation – You're excited about what AI can do, you've experimented with it (professionally or personally), and you want to push the boundaries of how it can be used responsibly in a regulated environment. Experience building AI agents, automations or workflows would be a huge advantage.
A track record of making things happen – You don't just identify problems or suggest improvements. You…