Head of Data Science

Carmoola
London
2 weeks ago
Create job alert

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 £240m from top-tier investors (including QED), helped over 10,000 customers get behind the wheel – and we’re scaling fast. But we’re just getting started.

Your Mission

We are looking for an exceptional and seasoned Head of Data Science. You will lead the company’s Credit Scoring, Fraud, and Collections / Customer Engagement analysis strategy. 

Requirements

What You’ll Be Doing

  • Working within the credit and analytics team to build a world class lending platform
  • Analyse ways to increase acceptance rates while maintaining performance
  • Identify data and algorithmic opportunities to reduce fraud risk 
  • Own the Collections strategy and deliver solutions to improve debt recovery
  • Create analytic testing frameworks

What You’ll Bring

  • 5 years+ experience in an analytically strong financial services provider
  • Eagerness to get ‘stuck in’, collaborate with different teams and work across a wide range of different areas.
  • A good understanding of the regulatory environment, especially responsible lending (creditworthiness/ affordability) 
  • Experience in using the latest data science techniques to enhance decisioning
  • Strong background in risk management

Benefits

Why Join Carmoola?

  • Competitive salary (£120-£140k, depending on experience)
  • Equity/options package
  • The opportunity to build and shape a data science function from the ground up
  • A vibrant, innovative working environment with a talented, supportive team
  • Hybrid working model with a modern office in Primrose Hill London

Join Carmoola in reshaping the world of car finance with your data skills. We celebrate diversity and encourage individuals from all backgrounds to apply. Carmoola is driving change in car finance - come be part of it!

Related Jobs

View all jobs

Head of Credit Risk - Data Science

Head of Data Science

Head of Data Science

Head of Data Engineering & Governance

Head of Data Engineering & Governance

Head of Data Engineering

Get the latest insights and jobs direct. Sign up for our newsletter.

By subscribing you agree to our privacy policy and terms of service.

Industry Insights

Discover insightful articles, industry insights, expert tips, and curated resources.

Negotiating Your Machine Learning Job Offer: Equity, Bonuses & Perks Explained

How to Secure a Compensation Package That Matches Your Technical Mastery and Strategic Influence in the UK’s ML Landscape Machine learning (ML) has rapidly shifted from an emerging discipline to a mission-critical function in modern enterprises. From optimising e-commerce recommendations to powering autonomous vehicles and driving innovation in healthcare, ML experts hold the keys to transformative outcomes. As a mid‑senior professional in this field, you’re not only crafting sophisticated algorithms; you’re often guiding strategic decisions about data pipelines, model deployment, and product direction. With such a powerful impact on business results, companies across the UK are going beyond standard salary structures to attract top ML talent. Negotiating a compensation package that truly reflects your value means looking beyond the numbers on your monthly payslip. In addition to a competitive base salary, you could be securing equity, performance-based bonuses, and perks that support your ongoing research, development, and growth. However, many mid‑senior ML professionals leave these additional benefits on the table—either because they’re unsure how to negotiate them or they simply underestimate their long-term worth. This guide explores every critical aspect of negotiating a machine learning job offer. Whether you’re joining an AI-focused start-up or a major tech player expanding its ML capabilities, understanding equity structures, bonus schemes, and strategic perks will help you lock in a package that matches your technical expertise and strategic influence. Let’s dive in.

Machine Learning Jobs in the Public Sector: Opportunities Across GDS, NHS, MOD, and More

Machine learning (ML) has rapidly moved from academic research labs to the heart of industrial and governmental operations. Its ability to uncover patterns, predict outcomes, and automate complex tasks has revolutionised industries ranging from finance to retail. Now, the public sector—encompassing government departments, healthcare systems, and defence agencies—has become an increasingly fertile ground for machine learning jobs. Why? Because government bodies oversee vast datasets, manage critical services for millions of citizens, and must operate efficiently under tight resource constraints. From using ML algorithms to improve patient outcomes in the NHS, to enhancing cybersecurity within the Ministry of Defence (MOD), there’s a growing demand for skilled ML professionals in UK public sector roles. If you’re passionate about harnessing data-driven insights to solve large-scale problems and contribute to societal well-being, machine learning jobs in the public sector offer an unparalleled blend of challenge and impact. In this article, we’ll explore the key reasons behind the public sector’s investment in ML, highlight the leading organisations, outline common job roles, and provide practical guidance on securing a machine learning position that helps shape the future of government services.

Contract vs Permanent Machine Learning Jobs: Which Pays Better in 2025?

Machine learning (ML) has swiftly become one of the most transformative forces in the UK technology landscape. From conversational AI and autonomous vehicles to fraud detection and personalised recommendations, ML algorithms are reshaping how organisations operate and how consumers experience products and services. In response, job opportunities in machine learning—including roles in data science, MLOps, natural language processing (NLP), computer vision, and more—have risen dramatically. Yet, as the demand for ML expertise booms, professionals face a pivotal choice about how they want to work. Some choose day‑rate contracting, leveraging short-term projects for potentially higher immediate pay. Others embrace fixed-term contract (FTC) roles for mid-range stability, or permanent positions for comprehensive benefits and a well-defined career path. In this article, we will explore these different employment models, highlighting the pros and cons of each, offering sample take‑home pay scenarios, and providing insights into which path might pay better in 2025. Whether you’re a new graduate with a machine learning degree or an experienced practitioner pivoting into an ML-heavy role, understanding these options is key to making informed career decisions.