Senior Compliance Manager

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.

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.

If that sounds exciting rather than intimidating, we'd love to hear from you.

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.

• 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 take ownership, develop solutions and see them through to delivery. You're comfortable working independently and getting stuck into the detail.
• Excellent regulatory judgement – You can interpret complex requirements, understand the underlying risks and apply regulation proportionately. You know when to challenge, when to escalate and how to balance innovation with robust customer and regulatory protections.
• A curious, analytical mind – You ask questions, challenge assumptions and look beyond the obvious. You enjoy working with data, investigating issues and finding ways to make controls more comprehensive and effective.
• A high bar for quality – You're ambitious about the standard of your work. You care about getting things right, pay attention to the details and take pride in building things that are reliable, accurate and genuinely useful.
• Comfort with ambiguity and change – You thrive in a fast-moving environment where priorities evolve and not everything has a playbook. You're excited by the opportunity to figure things out and help define the way forward.
• Brilliant communication and collaboration skills – You can explain complex regulatory topics in plain English, influence stakeholders at every level and build strong relationships across the business.
• A growth mindset – You're constantly learning, experimenting and developing new skills. You don't need to be an expert in every technology today, but you need to be genuinely excited about becoming one.

Most importantly, you'll share our ambition to build something exceptional. We're looking for someone who will raise the standard of the entire function, challenge our thinking and bring ideas and capabilities we don't already have.

We're looking for someone who's excited by the idea of building AI-powered compliance tools, automating away repetitive work, dramatically improving monitoring coverage and setting a new standard for what a modern compliance function can achieve.

You'll have the freedom to experiment, the support to bring ideas to life and the opportunity to make a genuine difference to how Carmoola operates.

If you're an ambitious compliance professional who loves technology, thrives on solving problems and wants to build something they're genuinely proud of, we'd love to hear from you.

And if you don't tick every box but believe you have the mindset, ambition and ability to make a real impact, please apply anyway. We're far more interested in what you can build and achieve than whether your CV follows a conventional path.