Credit Risk Strategy Manager

At Raylo, we’re on a mission to accelerate the move to a circular economy. We’re building a category-defining global subscription infrastructure to make premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growing, we’ve proven the demand for a smarter, more sustainable way to access technology.

Raylo is a fast-growing and profitable company, backed by global investors including Macquarie, NatWest, and Channel 4 Ventures. We have been selected for Endeavor’s network in 2024 and part of Tech Nation’s UK Future Fifty programme in 2025. Our B-Corp certification since 2021 and recognition by S&P Global for the positive impact of our circular model are part of our ongoing impact. At Raylo, performance matters—we set ambitious goals, move fast, and hold ourselves to a high standard because our mission is too important to settle for less.

Our Core Values:

• Be deeply curious
• Walk in your customer’s shoes
• Focus and execute
• Be gritty

As Raylo scales its category-defining tech subscription platform, we’re building a high-performing Strategy & Analytics team to power smarter, faster decision-making. This Strategy and Analytics Manager role sits within the Approval Rate team, focused on optimising how we approve customers and drive sustainable growth across consumer and business products. You’ll join a curious, fast-moving, collaborative group of strategists and analysts at the intersection of product, risk, data, and commercial teams. The role offers direct ownership of initiatives with meaningful impact on revenue and unit economics, especially as we scale into new markets and build out new decisioning infrastructure. This is an opportunity to work on technically interesting, analytically complex, and commercially important challenges, with potential to grow into a senior strategic leader in the business over time.

What You’ll Do:

• Own strategic initiatives to improve approval rate outcomes across Raylo’s lending and leasing products.
• Use SQL and analytics to investigate drivers of performance and deliver insight-led change.
• Collaborate cross-functionally with Product, Growth, Risk, and Operations teams to shape and implement better decisioning.
• Drive improvements in data quality, insight generation, and scalable tracking systems.
• Help shape the roadmap for risk, decisioning, and fraud strategy, including new internal and external data sources.
• Partner with engineering teams on technical design and implementation of decisioning logic.
• Lead innovation in monitoring and managing approval performance, risk, and automation.
• Influence key commercial decisions through thoughtful, well-structured analysis.

You’ll Succeed With:

• 3+ years of experience in strategy, analytics, credit risk, or product data, ideally in a high-growth, data-rich business.
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Strong SQL proficiency, capable of writing complex queries and generating insights.
• Experience with Python and/or modern analytics stacks is a plus.
• Proven ability to use data to drive end-to-end commercial outcomes.
• Experience building scalable systems or frameworks to solve analytical or decisioning problems.
• A structured thinker with a strategic mindset and a bias for action.
• Excellent communication skills, able to work with technical and non-technical stakeholders.
• Passion for innovation, experimentation, and tackling ambiguous problems.
• Comfortable working in a fast-paced, scaling environment with shifting priorities.

Opportunities & Benefits:

• Share in Raylo’s success – Stock options for all employees.
• Get the latest tech – Exclusive Raylo device lease for employees.
• Hybrid working model – Flexibility with in-person collaboration.
• 33 days off, your way – 25 days + 8 bank holidays with flexible use.
• Invest in your growth – L&D budget to support the skills you value.
• Fast-track your career – Two performance reviews a year.
• Family-first policies – Enhanced parental leave after 12 months' tenure.
• Save on childcare – Workplace nursery scheme for cost savings.
• Perks on perks – Perkbox with discounts and wellbeing benefits.
• Good times, guaranteed – Optional quarterly socials, plus summer and Christmas parties.

Hiring Process:

After you submit your application, our Talent Team will contact you if you are shortlisted. We aim for a high-quality candidate experience. If needed, tell us how we can make the process easier for you due to disability, neurodiversity, or other personal reasons.

• Stage 1: Talent Screening
• Stage 2: Hiring Manager Interview
• Stage 3: Task Stage – SQL Test
• Stage 4: On-site Interviews
• Stage 5: Values-based Interview & Co-founder Final

As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates during onboarding.

Diversity & Inclusion:

At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.