Director, Enterprise Credit

Wayflyer Limited; City of London; Hybrid; GBP 85,000 - 120,000; Full time

Job summary

A leading fintech company in London seeks a Head of Enterprise to lead the team in Dublin. This role involves developing strategies for large-scale customer acquisition, managing complex financial transactions, and mentoring team members. The ideal candidate has extensive experience in credit analysis, team leadership, and a strategic mindset. The position offers a hybrid working model along with competitive benefits including equity options and generous time off.

Benefits

25 days paid annual leave

Private healthcare

Generous parental leave

Equity scheme

Remote work flexibility

Qualifications

• Over 10 years of relevant experience in credit, lending, or financial analysis.
• Extensive experience in underwriting complex financial transactions.
• Proven track record of leading high-performing teams.

Responsibilities

• Lead and build a high-performing Enterprise team in Dublin.
• Develop the Enterprise strategy for acquiring large-scale customers.
• Oversee underwriting and structuring of complex financing solutions.

Skills

Credit analysis

Financial modeling

Risk assessment

Team leadership

Negotiation

Communication

Education

Advanced degree in finance or business

ACA/ACCA/CIMA/CFA qualification

Tools

SQL

Tableau

Job description

Overview

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Company Mission Our mission is to give the world access to the best products by empowering great brands to reach their growth potential.

About Wayflyer Today’s consumer brands 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 assesses businesses in minutes, generates financing offers that reflect growth potential and sends funds in as little as 24 hours. Since launching in April 2020, we’ve deployed over $4.5bn to thousands of brands worldwide, backed by Tier 1 banks like J.P. Morgan. We’ve become a trusted financing partner for brands such as True Classic, Little Words Project and Kekoa Foods. Teams at Wayflyer are cross-functional and collaborative. You’ll be working with ambitious colleagues from around the world. Check out this video to hear from them.

Culture & Values at Wayflyer We value sound people, excellent operators, and ambitious overachievers who work 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

• Lead and build a high-performing Enterprise team based in Dublin, fostering a culture of excellence and driving strategic growth. This includes hiring, mentoring, and developing team members to achieve their full potential.
• Develop and execute the Enterprise strategy to acquire and manage large-scale customers, leveraging a deep understanding of credit, risk, and financial analysis.
• Oversee underwriting and structuring of complex financing solutions for enterprise customers, diligently managing credit risk to ensure alignment with Wayflyer’s risk appetite and business objectives, while maintaining default rates within the budgeted percentage.
• Establish and maintain strong relationships with key stakeholders, including customers, lenders, and internal teams, to drive business growth and ensure seamless execution.
• Provide strategic reporting and risk analysis based on outstanding exposure for key accounts to senior leadership and lenders, ensuring transparency and informed decision-making.
• Drive continuous improvement in credit policies, processes, and underwriting models, leveraging data-driven insights and industry best practices.
• Lead cross-functional alignment on Enterprise processes and risk appetite by engaging with Capital Markets and Portfolio Management.
• Act as a key contributor to product and operations, working with cross-functional teams to enhance Wayflyer\'s offerings for enterprise customers.
• Partner with the Collections department to proactively manage material accounts, implementing strategies to maximise recovery and minimise losses.

What Makes You a Great Fit

Essential:

• +10 years of relevant experience in credit, lending, or financial analysis, preferably within fintech, financial services, or venture capital.
• Extensive experience in underwriting and structuring complex financial transactions, including venture debt, equipment financing, and warehouse lending.
• Deep experience in structuring complex lending products (e.g., ABL, MCA, PO financing, long-term loans).
• Proven track record of building and leading high-performing teams, with a focus on talent development and performance management.
• Deep understanding of financial modeling, risk assessment, and credit analysis, with the ability to interpret and synthesise complex financial data.
• Strong negotiation and relationship management skills, with the ability to build and maintain trust with clients and stakeholders.
• Excellent communication and presentation skills, with the ability to convey complex information clearly and concisely.
• Strategic thinker with a results-oriented mindset, capable of driving business growth and achieving ambitious targets.
• Experience in building credit reporting and reviewing financial performance at individual/portfolio level to ensure distribution aligns to risk tolerance.
• Experience in handling delinquent/non-performing loans.
• Experience in structuring and negotiating security agreements, including perfecting security interests in various types of collateral.

Preferred, but not essential:

• Experience in a high-growth startup or scale-up environment.
• Familiarity with the eCommerce industry and its unique financing needs.
• Advanced degree in finance, business, or a related field.
• ACA/ACCA/CIMA/CFA qualification.
• Experience in leading workout/collections.
• Experience using SQL and Tableau to query and manipulate data.

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 four to six 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 offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.

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 London office runs on a hybrid model. You’ll often find our CEO working with the team with regular visits.

🇦🇺 Sydney, Small but Mighty Our Sydney office has around 20 employees and follows a flexible hybrid model, fostering strong collaboration.

🇺🇸 Atlanta, New York & Charlotte, Stateside Collaboration Each US office has 8-10 employees and a flexible hybrid approach, blending in-person connection with remote freedom.

Remote, Across the US & Europe The majority of our Tech org works remotely across the UK and Europe, with annual off-sites and company kick-offs. We also have a growing number of remote team members across the US.

Privacy & Data By submitting your application, you acknowledge Wayflyer Limited will process your personal data for evaluating your suitability for the role. For details, contact [e-mail] or review our privacy notice at wayflyer.com/privacy-notice.