Credit Strategy & Analytics Manager

About Raylo

Raylo is the subscription infrastructure for the world's leading electronics brands, powering the circular economy by making devices more accessible, affordable, and flexible for consumers and businesses.

What to Expect

The Credit and Fraud Strategy team sits at the heart of how Raylo grows. The newly created role focuses on one of our most important customer segments: people who are already customers of Raylo and want more. You’ll be responsible for our decisioning logic for these customers, using traditional and AI‑enhanced analytics to identify and go after growth opportunities, and identifying when new data sources are needed for better decisions.

What You’ll Do

• Lead strategic projects to optimise approval rates for existing customers who want to take out more tech.
• Investigate key drivers of performance and identify opportunities for improvement.
• Use AI to boost your analytical capabilities and drive innovation in monitoring, automation, and internal decision making.
• Collaborate with Product and Engineering on technical design of rule changes and implementation of new data sources.
• Partner with Growth and Marketing teams to develop seamless positive experiences and reduce friction where a decline decision is the best outcome for us and the customer.
• Design scalable data frameworks and tracking systems to support smarter decisions, ensuring strong controls and sound, explainable decisions.
• Balance flexibility and scalability while maintaining high data quality across multiple sources.

You’ll Succeed with

• 3-5 years of experience in strategy, analytics, or product/data roles in fast‑paced, high‑performance, data‑driven environments.
• A 2:1 or above from a top university, ideally in a STEM or other highly analytical discipline.
• Hands‑on daily use of AI tools (e.g., Claude, Copilot) to accelerate the insight → decision → implementation cycle.
• Strong working knowledge of SQL; Python experience is a strong plus.
• A track record of going from ambiguous problems to in‑market impact using data.
• Experience with modern analytics stacks (data warehouses, dashboards, monitoring systems).
• A direct communication style that adapts appropriately to audiences with different technical expertise.
• Takes feedback well and moves quickly on it.
• Comfort working in a fast‑moving, high‑ownership environment where the answer is not always obvious.

Opportunities & Benefits

• Fast‑track your career – 40% of our employees are promoted every review cycle (bi‑annually).
• Exclusive Raylo device lease for employees.
• Stock options for all employees.
• L&D budget to support the skills you value.
• Hybrid working model – 3 set days in the London Bridge Office (Monday, Wednesday & Thursday).
• 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you.
• Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months.
• Workplace nursery scheme for major cost savings.

Hiring Process

We move quickly and will aim to give you the best candidate experience possible. It starts with a 15‑minute call – no prep needed. If there's a fit, we move fast; every stage has a purpose, and we'll tell you what we're looking for at each one. If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know. As an FCA‑regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process.

Diversity & Inclusion at Raylo

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.