Senior Credit Policy Analyst

Company Mission

Our mission is to give the world access to the best products by empowering great brands to reach their growth potential.

Today's consumer brands need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer.

Our unique technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours.

Since launching in April 2020, we've deployed over $5bn to thousands of brands worldwide, backed by Tier 1 banks like J.P. Morgan. We've become a trusted financing partner for some amazing brands, including True Classic, Little Words Project and Kekoa Foods.

Teams at Wayflyer are truly cross-functional. You'll be collaborating with ambitious colleagues from around the world – all striving to deliver on a huge opportunity. Check out this video to hear directly from them.

At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results. To learn more, please visit our website.

• Own the design, maintenance, and governance of Wayflyer’s credit risk policies and frameworks across all customer segments, ensuring they enable growth while maintaining strong credit discipline.
• Translate Wayflyer’s risk appetite into actionable and measurable frameworks, covering underwriting, portfolio management, exposure limits, and approval authorities.
• Lead the periodic review of credit policies, exposure caps, and delegated authorities, ensuring alignment with business goals, funding partner requirements, and market conditions.
• Act as the key liaison between Risk, Finance, Legal, and Revenue teams to ensure that all policies are practical, compliant, and support scalable credit growth.
• Build governance structures (committees, review cadence, escalation pathways) to embed credit risk management into daily operations.
• Provide analytical and strategic input to senior leadership on credit performance trends and policy implications.
• Support new product development and market entry initiatives by designing frameworks that align new offerings with Wayflyer’s risk appetite.
• Lead continuous improvement of credit policies and frameworks by leveraging portfolio data, loss experience, and emerging industry best practices.

• 6 to 8+ years of experience in credit risk management, policy design, or risk governance, ideally in fintech, alternative lending, or commercial banking.
• Proven experience developing and maintaining credit policies or frameworks for SME, Ecommerce, or trade finance portfolios.
• Strong understanding of credit underwriting principles, portfolio management, and regulatory/risk frameworks.
• Excellent analytical and communication skills, able to translate risk concepts into actionable frameworks and policies.
• Skilled at cross‑functional collaboration, working closely with Product, Finance, Legal, and Data teams.
• Experience in reviewing credit performance data and using insights to adjust policy parameters.
• High attention to detail with the ability to balance structure and agility in a fast‑paced environment.

• Experience working with structured finance or warehouse funding arrangements.
• Familiarity with working capital products such as MCAs, STLs and LOCs.
• Exposure to the e‑commerce sector and the funding needs of e‑commerce clients.
• Exposure to data‑driven credit scoring and automated decisioning.
• Advanced degree or certification in finance, economics, or risk (CFA, FRM, or similar).

You can expect to hear from a member of our Talent Acquisition team soon. If we believe you're a good fit, the first step will be a conversation with a recruiter who will guide you through the next stages of the process. The full interview process, which includes meeting the Hiring Manager and completing a case study or interview loop, typically takes approximately four to six weeks.