Credit Strategy & Analytics Manager in London

Why We Exist

The world is moving away from rigid ownership models in favour of more flexible, affordable access. Yet the $1.5 trillion device market has barely moved. Our mission is to transform how technology is bought, used and reused — creating better outcomes for customers, brands and the planet.

What We've Built

Raylo is the subscription infrastructure that enables leading electronics brands, including PlayStation, HP and Dyson, 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. 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 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.

Brands can unlock a powerful new growth engine with Raylo across embedded checkout, Raylo.com and the customer app — converting more DTC customers, reaching subscription-first demand, and driving repeat upgrades that compound customer lifetime value. 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.

How We Work

AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade. Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.

At Raylo, AI is woven into how we work every day. We don’t ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren’t possible a year ago. Processes that used to be good enough are being rebuilt. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds.

We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this? The more we automate, the more human judgement matters. AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement.

We hire to a high bar. You’ll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it.

Our Core Values

• Be deeply curious – We thrive on innovation through diverse approaches, views, and people.
• Walk in your customer’s shoes – To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.
• Focus and execute – We have a big vision, but we believe in nailing the most important problems first.
• Be gritty – Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we’re a team through thick and thin.

What to Expect

The Credit and Fraud Strategy team sits at the heart of how Raylo grows. We find ways to say yes to more customers, without taking on risk we don't understand. It's a balance that requires sharp analytical thinking, sound commercial judgment, and the ability to hold both the upside and the downside in your head at the same time.

This newly created role focuses on one of our most important customer segments: people who are already customers of Raylo and want more. You’ll be transforming how we think about eligibility when our existing customers want to take out more tech. You’ll be responsible for our decisioning logic for these customers, using traditional and AI-enhanced analytics to identify and go after growth opportunities, and identifying when new data sources are needed for better decisions.

Our team uses the latest technology to stay nimble even as our business grows more complex. We use a cutting edge decisioning platform with lots of flexibility. We are embedding AI tooling into every aspect of our roles, from research to having always-on monitoring to assistance in writing complex code.

This is a mid-level IC role with real senior exposure from day one, with regular discussions with the VP of the department and the CFO. If you hit the ground running and want to grow into leadership, that path exists (as demonstrated by several senior members of our team).

What You’ll Do

• Lead strategic projects to optimise approval rates for existing customers who want to take out more tech.
• Investigate key drivers of performance and identify opportunities for improvement.
• Use AI to boost your analytical capabilities and drive innovation in monitoring, automation, and internal decision making.
• Collaborate with Product and Engineering on technical design of rule changes and implementation of new data sources.
• Partner with Growth and Marketing teams to develop seamless positive experiences and reduce friction where a decline decision is the best outcome for us and the customer.
• Design scalable data frameworks and tracking systems to support smarter decisions. Ensure we have strong controls and arrive at sound, explainable decisions.
• Balance flexibility and scalability while maintaining high data quality across multiple sources.

You’ll Succeed with

• 3-5 years of experience in strategy, analytics, or product/data roles in fast-paced, high-performance, data-driven environments.
• A 2:1 or above from a top university, ideally in a STEM or other highly analytical discipline.
• Hands-on daily use of AI tools (e.g., Claude, Copilot) to accelerate the insight → decision → implementation cycle.
• Strong working knowledge of SQL is required; Python experience is a strong plus. Even with AI tools, this foundation is essential.
• A track record of going from ambiguous problems to in-market impact using data, not gut feel.
• Experience with modern analytics stacks (data warehouses, dashboards, monitoring systems).
• A direct communication style that adapts appropriately to audiences with different technical expertise, and enables quick, effective decision making.
• Takes feedback well and moves quickly on it.
• Comfort working in a fast-moving, high-ownership environment where the answer is not always obvious.

Opportunities & Benefits

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

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. If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know.

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.