Senior Credit Analyst, New Verticals

Wayflyer Job Opportunity

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 $4.5bn 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. To learn more, please visit our website.

Your Role at a Glance : The key ways you'll bring value to the team :

• Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability
• Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events
• Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow.
• Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries.
• Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
• Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
• Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally

What Makes You a Great Fit :

How You'll Stand Out :

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 four to six 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.

Family-First Policies : We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.

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.

Atlanta, New York & Charlotte, Stateside Collaboration : Each of our US offices has 8-10 employees and operates with a flexible hybrid approach, blending in-person connection with remote freedom.

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 https : / / wayflyer.com / privacy-notice.