Credit Strategy & Analytics Manager

Requirements

• 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

What the job involves

• 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)
• 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

Report this job