At a Glance
- Tasks: Lead a team managing fraud, credit risk, and insurance decisions for US customers.
- Company: Join Raylo, a fast-growing tech company transforming device ownership with subscriptions.
- Benefits: Enjoy exclusive device leases, private medical insurance, stock options, and a supportive learning budget.
- Other info: Flexible hybrid working model and commitment to diversity and inclusion.
- Why this job: Be part of a mission-driven team making a real impact on technology access and sustainability.
- Qualifications: 5+ years in fraud or credit risk leadership, with a hands-on, player-coach approach.
The predicted salary is between 63000 - 77000 £ per year.
This role requires shift coverage between 1pm and 5am, including weekends, on a rotating basis, to cover US customer hours. This is a fixed requirement of the role.
Our mission is to transform how technology is bought, used and reused - creating better outcomes for customers, brands and the planet. Raylo is the subscription infrastructure that enables leading electronics brands to move from one-off device sales to recurring subscription programmes that increase conversion, deepen loyalty and capture more lifetime value. We have over $90m ARR, we’re profitable, growing fast, with over a quarter of a million subscriptions across consumers and small businesses.
As a Risk Operations Lead, you’ll report to our Risk Operations leadership and spearhead our first dedicated team for US customers, covering fraud, credit risk, and insurance decisioning. In this hands-on, player-coach role, you’ll lead four Associates while handling live casework yourself. You will collaborate closely with the wider Risk team, manage the critical UK-to-US handover, and build consistent decision standards from day one.
What You’ll Do
- Run the night shift – lead a team of four Associates on a fixed, rotating pattern dedicated to the US customer base.
- Own decisions – apply established risk standards to make well-reasoned calls, determining when to resolve, hold, or elevate complex cases.
- Maintain a hands-on approach – manage active casework across fraud, credit risk, and insurance.
- Drive operational performance – oversee queue health, SLAs, quality, and capacity, providing comprehensive handovers to leadership.
- Coach and develop your team – work alongside Associates on live cases, offer real-time guidance, and foster consistent decision-making across the cohort.
- Turn data into action – leverage analytical insights to identify emerging fraud or risk trends and implement effective countermeasures.
- Partner cross-functionally – collaborate with the broader Operations and Risk Strategy teams to ensure alignment across decisioning frameworks.
- Shape scalable operations – provide evidence-based recommendations on capacity, shift patterns, and processes as US volumes expand, while establishing clear career progression pathways for your Associates.
You’ll Succeed with
- 5+ years of relevant experience in team leadership and fraud, credit risk, or insurance decisioning, ideally within a fast-paced fintech or consumer finance environment.
- Live-domain mastery – deep experience in fraud, credit risk, and insurance, backed by the confidence to make sharp, high-stakes customer calls using policy, data, and human judgement.
- Player-coach approach – you lead from the front, taking on live casework alongside your team while raising their bar, coaching in real time, and driving high standards across the shift.
- Curiosity and modern tool literacy – you naturally leverage data, AI, and smart tooling to spot emerging risk patterns, streamline manual workflows, and optimise shift performance.
- Communication – you can distill complex risk signals into tight handovers and deliver transparent, actionable feedback to team members and stakeholders alike.
- Total commitment to the US night operation – You'll work a rotating 4 days on, 4 days off shift pattern, with shifts falling between 1pm and 5am, including weekends.
We’re not looking for you to meet every point on this job description. Please still get in touch if you think you could add value and do your best work here at Raylo. We'd love to have a chat and see if you could be a great fit.
Opportunities & Benefits
- Exclusive Raylo device lease for employees
- Private Medical Insurance
- Stock options for all employees
- L&D budget to support the skills you value
- Hybrid working model– 4 days in the Belfast Office, 1 day work from home.
- 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 we'll 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.
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.
Risk Operations Lead employer: Raylo
Raylo is an exceptional employer that fosters a dynamic and inclusive work culture, particularly in our Belfast location. With a hybrid work model and a focus on employee growth, we provide opportunities for professional development while encouraging a collaborative environment where your contributions directly impact our success in the fintech space.
StudySmarter Expert Advice🤫
We think this is how you could land Risk Operations Lead
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
✨Tip Number 2: Attend Finance Events and Conferences
Make it a mission to attend finance-related events and conferences, even virtual ones! This is a golden opportunity to network face-to-face with people from companies like Raylo. You never know who might be your next boss or a crucial contact!
✨Tip Number 3: Showcase Your Expertise
Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Raylo.
✨Tip Number 4: Apply Directly on Company Websites
Since you're going for a full-time gig, don't forget to keep an eye on the careers page of companies you're interested in, like Raylo. Many companies prefer candidates who apply through their website as it shows genuine interest and makes your application stand out!
We think you need these skills to ace Risk Operations Lead
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Raylo and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Raylo how you can be a team player!
How to prepare for a job interview at Raylo
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
✨Showcase Your Financial Acumen
If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Raylo.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Raylo's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
