Head of Fraud

Carmoola

. Own Carmoola's fraud strategy across customer, document, dealer and vehicle fraud .

Posted 10/3/2026full-timeLondon • United KingdomLead💰 £110,000 - £120,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud prevention and financial crime within UK consumer lending, with a strong focus on building and deploying fraud models and AI agents. Capable of collaborating across teams to design effective controls and deliver actionable fraud analytics.

Highest-signal resume keywords

Fraud PreventionPython ProgrammingSQL ExpertiseMachine LearningCI/CD Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud ModelsRisk ModelsAnomaly DetectionDocument IntelligenceNetwork AnalysisAI AgentsDeepfakes TestingSynthetic Document EvaluationVersion-Controlled CodeModel Monitoring

Soft Skills

CollaborationProblem DefinitionPrioritizationCommunicationRelationship Building

Tools & Technologies

GitCloud PlatformsCI/CD ToolsFraud Analytics ToolsGovernance Frameworks

Industry Keywords

UK Consumer LendingMotor FinancePoint-of-SaleFintechFraud Community

Tech Stack

Tools & technologies

CloudPythonSQL

About the role

Key responsibilities & impact

Own Carmoola's fraud strategy across customer, document, dealer and vehicle fraud
Decide what to build versus buy while balancing loss prevention against customer and dealer friction
Own the fraud roadmap and shape requirements with Product and Engineering
Work with Credit, Ops and Collections to ensure controls fit business operations
Design and develop AI agents that assess application, document, bank, bureau, dealer and vehicle data
Build fraud classifiers, anomaly detection, document intelligence and network analysis
Identify linked applications, synthetic identities and dealer collusion
Own end-to-end production deployment, including version-controlled code, CI/CD, safe releases, live monitoring, governance and human oversight
Test fraud journeys and controls using deepfakes, synthetic documents, AI-generated identities and automated application attacks
Deliver fraud analytics and management information showing losses, prevention and causes
Report against risk appetite to senior leadership and the board
Build relationships with peer lenders, Cifas, National Hunter, the FLA, UK Finance and law enforcement
Convert shared intelligence about emerging threats into new controls

Requirements

What you’ll need

Significant experience in fraud prevention or financial crime within UK consumer lending, ideally motor finance, point-of-sale or a fast-growth fintech
Personally built fraud or risk models and put them into production
Expert in Python and SQL
Strong grounding in machine learning
Product and delivery mindset; ability to define problems, prioritise, collaborate with Product, Engineering, Credit, Ops and Collections, and deliver outcomes
Practical experience building with LLMs and AI agents on real decisions, including evaluation, guardrails and governance
Experience with Git, testing, CI/CD, cloud platforms and model monitoring
Well connected in the UK fraud community
Ability to design controls proportionate to risk and explain them to engineers and the board
Genuine excitement for Carmoola's mission and the chance to shape the future of how people get on the road

Benefits

Comp & perks

Competitive salary range of £110-120k
Options/equity package
Yearly performance-based pay reviews
Hybrid working: 3 days a week in our London office, in the heart of beautiful Primrose Hill
Holidays: 30 days + bank holidays, plus an extra day on your birthday
15 days a year to work from anywhere
Private healthcare
Pension: 5% employer matched contribution
Cycle to Work Scheme
Join a mega-talented and high performing team
The chance to play a pivotal role inside a fast-growing fintech during a meaningful stage of its journey.