Credit Strategy & Analytics Manager

The world is moving away from rigid ownership models in favor of a 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.

Raylo is the subscription infrastructure that enables leading electronics brands, including Play Station, 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, are profitable, growing quickly, and have over a quarter of a million subscriptions across consumers and small businesses. Customers trust us, 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, , 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 large. We cut emissions per device by around 50% compared to a buy‑and‑discard model. We’re B Corp certified, backed by Macquarie, Nat West, and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade. Raylo is uniquely placed to benefit, combining 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 replace 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.

• 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.

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 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 transform 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 pursue growth opportunities, and identify when new data sources are needed for better decisions.

Our team uses the latest technology to stay…