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 has deployed over $6bn in funding and we're not slowing down. Every credit decision we make is a bet on a business's real trajectory, and the models behind those bets need to get sharper and faster than they were yesterday. We're building the next generation of commercial credit, with AI running through every layer of the stack.
What you'll actually do
You'll own the full lifecycle of our credit risk models. We treat Machine Learning as a branch of software engineering here, so you'll write production-grade code, not just notebooks.
Lead the end-to-end build of credit risk models, treating ML as software engineering so everything you ship is fast, reproducible and robust.
Design modelling frameworks for decisioning, pricing and fraud that move company-wide P&L, not just a dashboard metric.
Build credit policies and lending strategies that expand our addressable market safely, pushing conversion and profitability up together.
Scientific integrity is non-negotiable. Model improvements need to be statistically significant, with no data leakage and no bias hiding in the numbers. You'll turn technical findings into business trade-offs leadership can act on, mapping ROC AUC straight to revenue and loss, and you'll set the bar for code quality: reviewing, mentoring, and contributing to the libraries the whole team relies on.
You'll stand out if you've worked on highly automated lending, price sensitivity modelling, or Customer Lifetime Value.
What this role could turn into
Senior Data Scientists here tend to grow into Staff or leadership roles with broader influence over risk strategy and team direction. We're building a quantitative risk function that genuinely drives P&L. The people who shape it early will have significant influence over where it goes.
Who thrives here
Gets restless when a model is "good enough" but not great
4+ years building and maintaining production-grade ML systems
Cares as much about code quality as the statistics behind it
Strong grip on predictive modeling and credit risk concepts (IV, ROC AUC, SHAP, PD, EAD, LGD, EL)
As comfortable in a modern monorepo (Python, SQL, Snowflake, dbt, and the rest of the stack) as a software engineer would be
Would rather walk a commercial stakeholder through a ROC AUC curve and make them care about the revenue impact than hide behind jargon
Uses AI as an accelerant, not a crutch
Comfortable owning outcomes, not just tickets
We hire for range
You'll need real depth on credit risk concepts (PD, EAD, LGD), a solid grasp of modelling techniques like IV and SHAP, and comfort working across Snowflake, dbt, ZenML, Dagster and Weights & Biases. Experience in automated lending, price sensitivity modelling or CLV is a strong plus.
Location and working policy
📍Dublin HQ or London, hybrid.
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.
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
- 4+ years in Data Science/ML, building and maintaining production-grade ML systems
- Advanced knowledge of predictive modeling and credit risk concepts
- Advanced proficiency in Python and SQL
- Deep understanding of credit risk metrics (PD, EAD, LGD, EL)
- Strong communication skills to engage with non-technical stakeholders
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.
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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.
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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.
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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.
Wayflyer Insights
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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