Strategy & Analytics Manager - Credit & Commercial

As Raylo continues to scale its category-defining tech subscription platform, we are building a high-performing Strategy & Analytics team to power smarter, faster decision‑making across the business. This new manager role will sit within the Approval Rate team, focused on optimising how we approve customers and grow sustainably across both consumer and business products.

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 how we monitor and manage approval performance, risk, and automation.
• Influence how Raylo makes key commercial decisions through thoughtful, well‑structured analysis.

What You’ll Succeed With

• 3+ years of experience in strategy, analytics, credit risk, or product‑data roles, 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 using them to generate insights independently.
• Experience with Python and/or modern analytics stacks (e.g., data warehouses, dashboards, monitoring tools) 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 decision‑ing problems.
• A structured thinker with a strategic mindset and a bias for action.
• Excellent communication skills, confident working with both technical and non‑technical stakeholders.
• Passion for innovation, experimentation, and tackling ambiguous problems.
• Comfortable working in a fast‑paced, scaling environment with shifting priorities.

Why We Exist

Raylo is on a mission to accelerate the move to a circular economy by making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers and backed by global investors like Macquarie, NatWest, and Channel 4 Ventures, we are a fast‑growing, profitable company recognised by B‑Corp certification and green‑financing partnerships.

Benefits

• Share in Raylo’s success – stock options for all employees
• Steel the latest tech – exclusive Raylo device lease for employees
• Hybrid working model balancing flexibility with in‑person collaboration
• 33 days off – 25 days + 8 bank holidays with full flexibility
• 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 maternity, paternity, adoption or shared parental leave for staff with 12 months, workplace nursery scheme
• Perkbox membership with discounts & wellbeing benefits
• Optional quarterly socials, plus summer & Christmas parties

Hiring Process

Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role. Then we proceed through five stages:

• Talent Screening
• Hiring Manager Interview
• Task Stage – SQL Test
• On‑site Interviews
• Values‑based Interview & Co‑founder final

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

Diversity & Inclusion

Raylo celebrates diversity and is committed to an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives.