Requirements
* 7+ years in an analytically focused decision making role
* A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline
* Past success within a credit risk or fraud related environment, with experience of SME lending strongly preferred
* Strong SQL proficiency, capable of writing complex queries and using them to independently generate insights
* The ability to bring clarity to complex, ambiguous problems. You’ll be able to use varied data sources to build a consistent, reliable strategy ideally with experience within risk
* Using your quantitative and technical skills to dive into the detail of individual projects and proposals, while being able to zoom out and design a multi-year strategy
* Collaborating in a fast-paced environment both within Raylo and driving external parties to meet the high standards that Raylo achieves internally
* Building and motivating a high-performing strategy and analytics function that’s able to partner with and deliver seamlessly through all other business functions (Ops, Product, Engineering, Finance, Commercial, Marketing, Data, Talent)
* Taking full responsibility for business critical functions and projects. You’ll be responsible for the development of Raylo’s core competitive advantages and ensuring we stay ahead of the curve
What the job involves
* We’re hiring for a Risk Strategy Director to be at the center of Raylo’s growth as we enter an exciting new phase in 2026
* Having launched less than 18 months ago, Raylo business is now the fastest growing proposition for Raylo and this role will be at the centre of that growth
* The challenge to bring to it the same level of excellence within credit and fraud risk that has enabled us to scale rapidly and sustainably with the consumer equivalent
* Beyond 2026, this role will also lead innovation as Raylo expands business lines across further market, verticals and product lines - we’re now looking for an ambitious leader to shape and execute the risk strategies that will drive this growth
* You’ll combine creativity and technical expertise to lead Risk Strategy for Raylo’s rapidly evolving product set
* You’ll thrive on developing thoughtful, data-driven solutions and driving their implementation
* As part of your impact, you’ll build and lead a high-performing team capable of making informed decisions where data is abundant and quantifying opportunities where it’s not
* Collaboration will be at the heart of your work, as you partner with leaders across Raylo and beyond to deliver results
* Your leadership will play a vital role in scaling the business sustainably to new heights
* In 2026, Raylo is uniquely positioned to thrive in a dynamic and evolving macroeconomic environment, and this role is at the core of that opportunity
* You’ll work closely with the co-founders and senior leadership to reshape our strategic direction and refine the fundamentals of our products
* Your team will be responsible for driving the future of a core strategic advantage, ensuring Raylo continues to grow as a market leader
* You’ll lead a team focussed on driving growth through risk analytics and be responsible making key commercial decisions based on analytical insights
* Be at the forefront of new product and partnership launches, working cross functionally with our product, engineering and marketing teams
* Interact with the business’ co-founders and SLT on a daily basis to determine priorities, share context and align on strategy
* Work to hire and motivate a best in class strategy and analytics team that’s able to drive a real competitive edge for Raylo
* All the while, you’ll remain in the detail and data using your technical skills - we get our hands dirty right up to the C-suite level and this role is no different
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