Compliance Assurance Officer

Join The Revolution In Fintech Car Finance

At Carmoola, we’re transforming the way people get on the road—making it faster, fairer, and entirely customer-centric. We've started with car finance, reimagining it from the ground up with a seamless, digital experience that puts drivers in control.

Since our 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 rapidly.

To take things to the next level, we're seeking a sharp and driven Compliance Assurance Officer who is passionate about consumer protection.

Your Mission

We are searching for an exceptional Compliance Assurance Officer to join our dynamic team. Reporting directly to the Head of Risk and Compliance, you will have the unique opportunity to ensure Carmoola adheres to all regulatory and legal requirements, developing and maintaining compliance frameworks that support responsible business practices. 

As we continue to innovate, you’ll have the chance to leverage automation and modern compliance practices to streamline processes, enhance efficiency, and reduce risk. This isn’t just a job; it’s a chance to set new standards in how we handle these critical functions. 

Your work will ensure that we deliver WOW to our customers, our regulatory commitments are met, and Carmoola sets the gold standard for compliance in the fintech car finance industry.

What You’ll Be Doing

As Compliance Assurance Officer, your expertise will help shape our compliance monitoring framework, ensuring we continue to deliver responsible and innovative financial solutions. 

Your key responsibilities will include:

• Compliance Assurance Reviews – Plan and deliver risk-based reviews to assess compliance with regulatory requirements and internal policies.
• Thematic Reviews – Design and execute deep dives into key risk areas such as vulnerability, affordability, and complaints handling.
• Report Writing – Produce clear, actionable assurance reports with evidence-based findings and practical recommendations.
• Action Tracking – Monitor, follow up, and validate the closure of agreed management actions and ensure timely resolution.
• Stakeholder Engagement – Present findings and recommendations to key stakeholders across the business, ensuring issues are clearly understood and supporting them in addressing compliance risks.
• Consumer Duty Monitoring – Oversee the continuous embedding and monitoring of Consumer Duty requirements, ensuring we consistently deliver good outcomes for customers.
• Automation – Identify opportunities to use automation and technology to enhance efficiency, reduce manual errors, and ensure regulatory tasks are completed accurately.

What You'll Bring

• At least 3 years of experience in a compliance monitoring role within a consumer credit company.
• Exceptional attention to detail, ensuring accuracy in compliance monitoring and reporting.
• Strong written communication skills, with the ability to produce clear, structured reports and documentation for key stakeholders.
• A keen eye for detail, with the ability to identify issues, control gaps, and interpret regulations and legislation confidently.
• A constructive approach to challenging the status quo and influencing positive change across the business.
• Self-motivated and able to work independently, with a systematic and methodical approach to managing tasks and reviews.
• A proactive mindset with a strong sense of initiative, able to identify and address compliance risks before they escalate.
• Comfortable applying risk management principles in an assurance environment.
• Professional compliance qualification (ICA, CISI, or equivalent) is a plus.
• Experience working in a high-growth startup or scale-up environment.

If you're passionate about making a difference but don’t meet every requirement, we still encourage you to apply—we'd love to hear from you!

Who You Are

You are driven by a passion for excellence and delivering the best outcomes for customers. You’re detail-oriented, analytical, and highly organised, with a keen eye for spotting risks and opportunities. You thrive in an environment where you can take initiative, solve problems creatively, and continuously seek ways to enhance or automate compliance processes. If you love collaborating with individuals across the business that are as dedicated to learning and growth as you are, Carmoola is the place for you.

What's in it for You

• Competitive salary: A range of £65k–80k
• Hybrid working: 3 days a week in our London office, in the heart of beautiful Primrose Hill
• A high-impact role with room to grow: You'll own a core area of compliance—with the opportunity to shape and expand the role over time.
• A culture of trust, kindness, and ownership: We move fast, support each other, and enjoy the ride.

Ready to Lead and Innovate?

Join us at Carmoola, where you can shape the future of car finance, set new industry standards, and grow your career in an environment that values your expertise and initiative. Apply today and be part of our journey to revolutionise the fintech landscape.