Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 2 days ago

Head of Fraud

Workable (global search)108,016 open roles

Where
London, England, United Kingdom
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowHead of FraudWorkable (global search) · London, England, United Kingdom

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Workable (global search)'s own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

7.9% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 7 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 7.9%7 days
  4. 14.9%14 days
  5. 34.0%30 days
This job: posted 2 days ago

Workable (global search) median: 7 days open

The posting

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 31,000 customers get behind the wheel – and we’re scaling fast.

To take things to the next level, we're looking for a technical, AI-native Head of Fraud to build and deploy the intelligent fraud defences that let us lend faster, safely, at scale.

Your Mission

You'll take the reins on building and owning Carmoola's fraud strategy – from designing and deploying the AI agents that catch fraud across our application flow, to building strong relationships across the UK fraud community so we spot new threats early. You'll have a huge amount of autonomy and responsibility from day one, and the opportunity to define what AI-native fraud prevention at Carmoola really means.

This is a high-impact role for someone who is as comfortable writing and shipping production code as presenting to leadership, thinks commercially about the cost of friction, and knows how to build something from scratch. You won't hand requirements to another team – you'll set the strategy, build the models and agents yourself, deploy them into live decisioning and prove their impact on real losses.

What You'll Be Doing

  • Own our fraud strategy - Set the direction across customer, document, dealer and vehicle fraud. Decide what we build versus buy, and balance loss prevention against friction for customers and dealers.
  • Lead delivery across the business - Own the fraud roadmap. Shape requirements with Product and Engineering, work with Credit, Ops and Collections to make controls fit how the business really runs, and keep delivery moving from idea to live impact.
  • Build our fraud identification agents - Design and develop AI agents that weigh evidence across application, document, bank, bureau, dealer and vehicle data, flag suspicious cases and explain why.
  • Develop the models underneath - Build fraud classifiers, anomaly detection, document intelligence and network analysis to uncover linked applications, synthetic identities and dealer collusion.
  • Ship it to production - Own deployment end to end, from tested, version-controlled code and CI/CD to safe releases and live monitoring for drift and performance, with clear governance and human oversight wherever customers are affected.
  • Try to break what we've built - Regularly attack our own journey and controls the way fraudsters would, using the latest tools, from deepfakes and synthetic documents to AI-generated identities and automated application attacks. Find the weak spots before anyone else does, then close them.
  • Turn data into decisions - Deliver fraud analytics and MI that show what we're losing, what we're preventing and why, and report against risk appetite to senior leadership and the board.
  • Build our industry network - Build strong relationships with peer lenders, Cifas, National Hunter, the FLA, UK Finance and law enforcement, and turn shared intelligence on emerging threats into new controls fast.

Requirements

What You'll Bring

  • Fraud experience in UK lending - Significant experience in fraud prevention or financial crime within UK consumer lending, ideally motor finance, point-of-sale or a fast-growth fintech.
  • Hands-on data science - You've personally built fraud or risk models and put them into production, not just specified them. You're expert in Python and SQL, with a strong grounding in machine learning.
  • Product and delivery mindset - You think like a product manager as much as a data scientist. You define the problem, prioritise ruthlessly, bring Product, Engineering, Credit, Ops and Collections along with you, and deliver outcomes, not just models.
  • Agentic AI know-how - Practical experience building with LLMs and AI agents on real decisions, not just demos, including evaluation, guardrails and governance.
  • Production engineering discipline - You're at home with Git, testing, CI/CD, cloud platforms and model monitoring, and you ship code you'd trust with live lending decisions.
  • A network you actually use - You're well connected in the UK fraud community. You know who to call when a new threat appears, and people call you.
  • Commercial and clear-headed - You know friction has a cost, you design controls proportionate to the risk, and you can explain it equally well 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

Why Join Carmoola?

  • 💰 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.
From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Workable (global search)'s own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Workable (global search)'s form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Workable (global search)'s answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.