Risk Operations Lead

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.

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 an AI-powered operating system that executes and manages device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that enables brands to run subscription programmes at scale.

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 raise 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.

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

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.