Risk Strategy Director - Raylo Business

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. Economic incentives, environmental pressures, and regulatory shifts are driving a global move toward the circular economy. Consumers and businesses are already moving away from rigid ownership models in favour of more flexible, affordable access. We enable the world’s leading electronics brands to shift from single-use to circular, customer-centric business models. We’re at £70m ARR, profitable, growing fast, with 200,000+ active subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews.

For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you’re done. Behind that sits a sophisticated fintech platform powering device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that lets brands offer subscriptions without using their own balance sheet. Our platform has two sides. Raylo.com marketplace gives consumers and small businesses access to premium tech from the world’s leading electronics brands. Raylo Pay is our embedded product, enabling brands such as PlayStation and LG to launch subscription journeys directly through their own DTC and ecommerce channels.

The impact of our circular model is big. We cut emissions per device by around 50% compared to buy-and-discard. We’re B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

We’re hiring for a Risk Strategy Director to be at the center of Raylo’s growth as we enter an exciting new phase in 2026. Having launched less than 18 months ago, Raylo business is now the fastest growing proposition for Raylo and this role will be at the centre of that growth. The challenge to bring to it the same level of excellence within credit and fraud risk that has enabled us to scale rapidly and sustainably with the consumer equivalent. Beyond 2026, this role will also lead innovation as Raylo expands business lines across further market, verticals and product lines - we’re now looking for an ambitious leader to shape and execute the risk strategies that will drive this growth.

You’ll combine creativity and technical expertise to lead Risk Strategy for Raylo’s rapidly evolving product set. You’ll thrive on developing thoughtful, data-driven solutions and driving their implementation. As part of your impact, you’ll build and lead a high-performing team capable of making informed decisions where data is abundant and quantifying opportunities where it’s not. Collaboration will be at the heart of your work, as you partner with leaders across Raylo and beyond to deliver results. Your leadership will play a vital role in scaling the business sustainably to new heights.

You’ll lead a team focused on driving growth through risk analytics and be responsible for making key commercial decisions based on analytical insights. Be at the forefront of new product and partnership launches, working cross functionally with our product, engineering and marketing teams. Interact with the business’ co-founders and SLT on a daily basis to determine priorities, share context and align on strategy. Work to hire and motivate a best in class strategy and analytics team that’s able to drive a real competitive edge for Raylo.

You’ll succeed with:

• 7+ years in an analytically focussed decision making role
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Past success within a credit risk or fraud related environment, with experience of SME lending strongly preferred
• Strong SQL proficiency, capable of writing complex queries and using them to independently generate insights.
• The ability to bring clarity to complex, ambiguous problems.
• Using your quantitative and technical skills to dive into the detail of individual projects and proposals, while being able to zoom out and design a multi-year strategy.
• Collaborating in a fast-paced environment both within Raylo and driving external parties to meet the high standards that Raylo achieves internally.
• Building and motivating a high-performing strategy and analytics function that’s able to partner with and deliver seamlessly through all other business functions (Ops, Product, Engineering, Finance, Commercial, Marketing, Data, Talent)
• Taking full responsibility for business critical functions and projects.

Fast-track your career – 40% of our employees are promoted every review cycle (bi-annually). 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.

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.