📝 Company Mission
Our mission is to give the world access to the best products by empowering great businesses to reach their growth potential.
💼 About Wayflyer
Today's SMB's 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 $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. Check out this video to hear directly from them.
💛 Culture & Values at Wayflyer
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
Own and drive the portfolio intelligence that shapes how Wayflyer manages portfolio performance and risk. You’ll connect credit data, commercial outcomes, and market trends to help leadership make smarter, faster, and more profitable credit decisions.
Lead portfolio monitoring and performance reviews, turning insights into actionable recommendations that influence underwriting standards, pricing, and exposure management.
Develop and maintain the monthly portfolio reporting pack for senior leadership, bringing clarity on trends, concentrations, early signals, and performance against plan.
Build dashboards, KPIs, and Early Warning Systems (EWS) that go beyond tracking, enabling proactive management of emerging risks and opportunities.
Work closely with Revenue, Underwriting, Decision Science, and Finance to align credit and commercial objectives, ensuring growth is achieved within risk appetite and funding constraints.
Continuously learn from portfolio performance and credit losses, feeding insights back into policy, underwriting, and product design to strengthen future outcomes.
Champion a culture of data-driven, evidence-based portfolio steering, making credit strategy an enabler of Wayflyer’s growth.
🔨 What Makes You a Great Fit
6-8+ years of experience in credit risk, portfolio strategy, or lending performance management.
Deep understanding of SME, Wholesale, or Ecommerce credit portfolios, and how credit, pricing, and growth interact.
Proven ability to interpret portfolio data and translate it into strategic recommendations that shape risk and commercial decisions.
Strong proficiency in BI tools (Looker, Omni, Power BI, Tableau) and ability to collaborate effectively with Data and Engineering teams.
Experience analysing loss performance and using those insights to refine underwriting, policy, or pricing frameworks.
Strategic mindset with comfort presenting insights and recommendations to senior leadership.
High attention to accuracy and detail, with strong storytelling skills, able to turn data into a narrative that drives action.
Experience designing and maintaining Early Warning Systems or portfolio monitoring tools.
How You’ll Stand Out
Experience in fintech, alternative lending, or high-growth credit environments.
Familiarity with SQL or Python for deep-dive analysis and querying.
Understanding of funding structures or securitisations and their impact on portfolio strategy.
Exposure to incentive design or portfolio performance frameworks for commercial teams.
Advanced degree or professional qualification in finance, economics, or risk management (CFA, FRM, or equivalent).
🤝 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 two to four 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.
👵 Secure Your Future with Our Pension Plan
Our pension plan helps you build a strong foundation for tomorrow, starting today.
🍼 Family-First Policies
We provide a generous parental and adoptive leave program for both Primary and Secondary caregivers, ensuring you have the dedicated, fully paid time you need to focus on your family.
💰 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.
🇺🇸 Charlotte, our new US hub
Charlotte is our US headquarters and the foundation of our North American growth. From our Uptown office, our teams collaborate closely, build relationships and drive impact across the region, with a setup designed for both focus and flexibility.
🌍 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 [email protected] or review our privacy notice at https://wayflyer.com/privacy-notice.
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Skills Required
- 6-8+ years of experience in credit risk, portfolio strategy, or lending performance management
- Deep understanding of SME, Wholesale, or Ecommerce credit portfolios
- Strong proficiency in BI tools (Looker, Omni, Power BI, Tableau)
- Experience analysing loss performance and using those insights
- High attention to accuracy and detail, with strong storytelling skills
- Experience designing and maintaining Early Warning Systems or portfolio monitoring tools
- Familiarity with SQL or Python for deep-dive analysis
- Advanced degree or professional qualification in finance, economics, or risk management
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.
