Senior credit analyst Jobs in Charlotte, NC

Wayflyer Credit Risk Management Role

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

Today's SMB's 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, like 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.

At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results.

The key ways you'll bring value to the team:

• 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.

What makes you a great fit:

• 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.

How you'll stand out:

• 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 the 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).

What to expect after you apply:

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 two to four weeks.

The perks of being at Wayflyer:

Time off that matters:

Recharge with 25 days of paid annual leave, plus public holidays.

Your wellbeing:

Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.

Comprehensive health & protection:

Stay covered with private healthcare, life insurance, and critical illness cover.

Secure your future with our pension plan:

Our pension plan helps you build a strong foundation for tomorrow, starting today.

Family-first policies:

We provide a generous parental and adoptive leave program for both Primary and Secondary caregivers, ensuring you have the dedicated, fully paid time you need to focus on your family.

Share in our success:

With our equity scheme, you're not just an employee; you're a stakeholder in our journey.

Work from abroad!

Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.

Global offices and working policy:

Dublin, our buzzing HQ:

Our headquarters operates a hybrid model. The number of in-office days depends on your team, but the majority of teams and our SLT are typically in 3-4 days per week, giving you valuable exposure to senior leadership.

London, one big family:

Home to around 30 employees, our brand-new London office also runs on a hybrid model. You'll often find our CEO working alongside the team with regular visits.

Sydney, small but mighty:

Our close-knit Sydney office has around 20 employees and follows a flexible hybrid model, fostering strong collaboration.

Charlotte, our new US hub:

Charlotte is our US headquarters and the foundation of our North American growth. From our Uptown office, our teams collaborate closely, build relationships and drive impact across the region, with a setup designed for both focus and flexibility.

Remote, across the US & Europe:

The majority of our Tech org works remotely across the UK and Europe, coming together throughout the year for off-sites, company kick off and technical kick off. We also have a growing number of remote team members across the US.

How we handle your personal data:

By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. Such processing is based on the need to take steps prior to entering into a potential employment agreement. To learn more about how we handle your personal data, you can contact our privacy team at privacy@wayflyer.com or review our privacy notice at