Credit Risk Strategy Manager

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.

As Raylo continues to scale its category-defining tech subscription platform, we’re building a high-performing Strategy & Analytics team to power smarter, faster decision-making across the business. This new Strategy and Analytics 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.

You’ll be joining a curious, fast-moving and collaborative group of strategists and analysts, working at the intersection of product, risk, data, and commercial teams. This role will offer direct ownership of initiatives with meaningful impact on revenue and unit economics, especially as we scale into new markets and build out new decisioning infrastructure.

This is an opportunity to work on technically interesting, analytically complex, and commercially important challenges, with the potential to grow into a senior strategic leader in the business over time.

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.

Opportunities & Benefits

• 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.
• 33 days off, your way – 25 days + 8 bank holidays with full flexibility.
• Invest in your growth – L&D budget to support the skills.
• Fast-track your career – Two performance reviews a year.
• Family-first policies – Enhanced maternity, paternity, adoption or shared parental leave.
• 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.

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.