Credit Risk Strategy Manager

Raylo; Greater London; Hybrid; GBP 60,000 - GBP 80,000; Full time

Job summary

A tech subscription platform in Greater London is seeking a Strategy and Analytics Manager to optimize approval rates and drive data-driven decisions. This role involves collaboration across various teams and direct ownership of impactful initiatives. The ideal candidate will have at least 3 years of experience, strong SQL skills, and a background in strategy or analytics. The company offers a hybrid work model, stock options, and opportunities for professional growth.

Benefits

Stock options for all employees

Exclusive device lease for employees

33 days off, your way

L&D budget for skill support

Enhanced family policies

Workplace nursery scheme

Perkbox membership

Optional quarterly socials

Qualifications

• 3+ years of experience in a strategy, analytics, credit risk, or product data role.
• Strong SQL proficiency for generating insights.
• Experience building scalable systems or frameworks.

Responsibilities

• Own strategic initiatives to improve approval rate outcomes.
• Use SQL and analytics to drive performance improvements.
• Collaborate to implement better decisioning.

Skills

SQL proficiency

Analytical thinking

Communication skills

Problem-solving

Experience in strategy/analytics

Education

2:1 or higher from a top university

Tools

Python

Data warehouses

Job description

Why We Exist

At Raylo, we’re on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if it’s simple and cost-effective. We’re building a category-defining global subscription infrastructure, making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating, we’ve proven the demand for a smarter, more sustainable way to access technology.

Raylo is a fast-growing and profitable company, backed by global investors including Macquarie, NatWest, and Channel 4 Ventures.

We have been selected for Endeavor’s network in 2024, underscoring our role as a high-impact, mission-driven business with global ambitions. In 2025 we were recognised as part of Tech Nation’s UK Future Fifty programme.

We have been B-Corp certified since 2021 and were recently acknowledged by S&P Global for the positive impact of our circular business model via Green Financing with NatWest.

At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less.

Our Core Values

💡 Be deeply curious – We thrive on innovation through diverse approaches, views, and people.

👟 Walk in your customer’s shoes – To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.

🎯 Focus and execute – We have a big vision, but we believe in nailing the most important problems first.

💥 Be gritty – Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we’re a team through thick and thin.

What to Expect

As Raylo continues to scale its category-defining tech subscription platform, we’re building a high-performing Strategy & Analytics team to power smarter, faster decision-making across the business. This Strategy and Analytics Manager role sits within the Approval Rate team, focused on optimising how we approve customers and grow sustainably, across both consumer and business products.

You’ll be joining a curious, fast-moving and collaborative group of strategists and analysts, working at the intersection of product, risk, data, and commercial teams. This role will offer direct ownership of initiatives with meaningful impact on revenue and unit economics, especially as we scale into new markets and build out new decisioning infrastructure.

This is an opportunity to work on technically interesting, analytically complex, and commercially important challenges, with the potential to grow into a senior strategic leader in the business over time.

What You’ll Do

• Own strategic initiatives to improve approval rate outcomes across Raylo’s lending and leasing products.
• Use SQL and analytics to investigate drivers of performance and deliver insight-led change.
• Collaborate cross-functional with Product, Growth, Risk, and Operations teams to shape and implement better decisioning.
• Drive improvements in data quality, insight generation, and scalable tracking systems.
• Help shape the roadmap for risk, decisioning, and fraud strategy, including new internal and external data sources.
• Partner with engineering teams on technical design and implementation of decisioning logic.
• Lead innovation in how we monitor and manage approval performance, risk, and automation.
• Influence how Raylo makes key commercial decisions through thoughtful, well-structured analysis.

You’ll Succeed With

• 3+ years of experience in a strategy, analytics, credit risk, or product data role, ideally in a high-growth, data-rich business.
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Strong SQL proficiency, capable of writing complex queries and using them to independently generate insights.
• Experience with Python and/or modern analytics stacks (e.g. data warehouses, dashboards, monitoring tools) is a plus.
• Proven ability to use data to drive end-to-end commercial outcomes.
• Experience building scalable systems or frameworks to solve analytical or decisioning problems.
• A structured thinker with a strategic mindset and a bias for action.
• Excellent communication skills, confident working with both technical and non-technical stakeholders.
• Passion for innovation, experimentation, and tackling ambiguous problems.
• Comfortable working in a fast-paced, scaling environment with shifting priorities.

Opportunities & Benefits

We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees.

• Share in Raylo’s success – Stock options for all employees
• Get the latest tech – Exclusive Raylo device lease for employees
• Hybrid working model – that balances flexibility with in-person collaboration, empowering you to do your best work while staying connected with the team.
• 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you
• Invest in your growth – L&D budget to support the skills you value
• Fast-track your career – Two performance reviews a year
• Family-first policies – Enhanced maternity, paternity, adoption or shared parental leave, if you’ve been with us for 12 months.
• Save big on childcare – Workplace nursery scheme for major cost savings
• Perks on perks – Perkbox membership with discounts & wellbeing benefits
• Good times, guaranteed – Optional quarterly socials, plus summer & Christmas parties

Hiring Process

What’s next?

Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role.

We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible.

If there’s anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know.

Stage 1: Talent Screening

Stage 2: Hiring Manager Interview

Stage 3: Task Stage: SQL Test

Stage 4: On-site Interviews

Stage 5: Values-based Interview & Co-founder Final

*As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process.

Diversity & Inclusion at Raylo

At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.