Strategy & Analytics Manager - Credit Risk

At Raylo, we’re on a mission to accelerate the move to a circular economy. We’re building a category-defining global subscription infrastructure, making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating, 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 B-Corp certified since 2021 and were recently acknowledged by S&P Global for the positive impact of our circular business model via a Green Financing with NatWest.

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.

You’ll Succeed With:

• 3+ years of experience in a strategy, analytics, credit risk, or product data role, 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 independently generate insights.
• 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 decisioning 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.

We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees.

Share in Raylo’s success – Stock options for all employees.

Get the latest tech – Exclusive Raylo device lease for employees.

Hybrid working model– that balances flexibility with in-person collaboration, empowering you to do your best work while staying connected with the team.

33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you.

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, if you’ve been with us for 12 months.

Save big on childcare – Workplace nursery scheme for major cost savings.

Perks on perks – Perkbox membership with discounts & wellbeing benefits.

Good times, guaranteed – 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. We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible.

If there’s anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know.

Stage 1: Talent Screening

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 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.