Credit Analyst - Graduate (Dublin)

Reposted 7 Days Ago
Be an Early Applicant
Dublin, IRL
Hybrid
Entry level
eCommerce
The Role
Analyze financial and non-financial performance of eCommerce customers to assess credit risk, support underwriting and portfolio management, join customer calls, collaborate across teams to improve processes and products, and support sales and operations to keep customer relationships healthy.
Summary Generated by Built In

About Wayflyer

Today's small businesses 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 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. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan.

You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The Challenge

Wayflyer moves fast. We fund eCommerce businesses at the speed they need to grow - and to do that responsibly, we need people who can look beyond a spreadsheet and see the business behind the numbers. This role exists because great funding decisions aren't just about data - they're about judgement. We need someone who can develop both.

What You'll Actually Do

You'll dig into the story behind the numbers - analyzing the financial and non-financial performance of new and existing customers to understand what's really driving their business, and how much risk Wayflyer should take on to fund their growth. That means getting on the phone with customers directly, hearing about their business models and funding needs from them, not just from a spreadsheet.

You won't just inherit our processes - you'll work with management to build and test new ones. You'll get across our loan portfolio, understanding how we manage it, what good looks like, and how we make the call to exit a risky relationship. And because this role touches sales, ops, and pretty much every team in between, we expect you to use that access - connect dots, ask questions, and show up in rooms beyond your own.

What This Role Could Turn Into

Analysts at Wayflyer don't stay analysts for long if they don't want to. This function sits at the intersection of finance, risk, and commercial strategy - people who come in here have gone on to lead underwriting decisions, manage portfolio strategy, and step into senior roles across the business. The trajectory is real, and it moves fast.

Who Thrives Here

You're the kind of person who reads a set of accounts and immediately wants to know what's behind them. You ask questions most people wouldn't think to ask. You're comfortable presenting a recommendation in a room where people will push back - and you welcome that. You're not looking for a narrow lane. You want to understand the whole picture.

You probably haven't done this exact job before. That's fine. We're hiring for how you think, not what you've already done.

We Hire for Range

You've completed (or are close to completing) a degree - Business, Finance, Economics, Engineering, Law, or Computer Science all work here - and you've got a strong academic record you can speak to, not just list. More than that, you're genuinely curious about credit and risk, and you're comfortable leading a conversation, whether that's in a meeting, on a call, or in front of a room that's about to push back on your recommendation.

If you can already read a set of management accounts, work in Excel or SQL, or you're partway through a professional finance qualification, that's a head start - not a requirement.

Location and working policy

📍Dublin HQ, hybrid (3-4 days per week in the office)

 

The good stuff

25 days off, plus public holidays. Private healthcare, life insurance, and a pension. Equity - because you should own a piece of what you're building. Generous parental leave for primary and secondary caregivers. 60 days a year to work abroad from wherever you want.

💡 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 [email protected] or review our privacy notice at https://wayflyer.com/privacy-notice.

Skills Required

  • Completed or near completion of an undergraduate degree (Business, Finance, Economics, Engineering, Law, Computer Science)
  • Strong academic record
  • Genuine curiosity about credit, risk, and eCommerce business models
  • Comfortable leading conversations and presenting recommendations
  • Analyze financial and non-financial performance to assess risk and make funding recommendations
  • Customer-facing communication (phone calls with customers)
  • Read management accounts
  • Experience using Excel
  • Experience using SQL
  • Planning to pursue a professional finance qualification

Wayflyer Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Wayflyer and has not been reviewed or approved by Wayflyer.

  • Affordable Benefits Healthcare costs to employees in the U.S. are described as low to no cost, with company-covered medical, dental, and vision noted. This suggests benefits that keep employee out-of-pocket expenses minimal.
  • Leave & Time Off Breadth Company materials highlight 25 holidays per year plus public holidays, alongside generous PTO, sick leave, and bereavement leave. This breadth supports time away needs across vacation and health-related scenarios.
  • Equity Value & Accessibility Equity/stock options and performance bonuses are listed on the careers and benefits pages, with share options marked as employer-verified. This points to accessible ownership opportunities as part of total rewards.

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The Company
HQ: Dublin, County Dublin
300 Employees
Year Founded: 2019

What We Do

Providing eCommerce businesses with fairer, faster, and more flexible funding. Our mission at Wayflyer is to support the ambition of the eCommerce businesses we work with. We do this by solving the toughest problems in eCommerce, giving founders the power to pursue their ambition and achieve their big goals. We started by tackling the single biggest problem in eCommerce; working capital. By giving founders access to unsecured, non-dilutive funding at great rates, we solve their working capital challenges, unleashing growth. So how are we doing on our mission? Well, since 2019, we have funded over 1,500 of the world’s top eCommerce businesses, providing them with over $1bn of capital, and in 2021 alone, companies using Wayflyer generated over $13bn in sales. We have raised over $230m in equity from the same investors as Stripe and Revolut and have been valued at $1.6 billion. With customers in 11 countries, and offices in Dublin, Atlanta, New York, London, and Sydney, we are a global business, supporting the most ambitious eCommerce founders worldwide.

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