Senior Credit Analyst, New Verticals

Wayflyer Job Opportunity

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

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.

At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results.

The key ways you'll bring value to the team:

• Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability
• Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events
• Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow.
• Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries.
• Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
• Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
• Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally

3+ years of relevant experience in one or more of the following:

• Commercial lending, underwriting, or credit risk within a bank, fintech, or fund
• Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)

Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)

Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders

CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)

Exposure working with global teams

Experience in data-driven underwriting or fintech environments

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.

Recharge with 25 days of paid annual leave, plus public holidays.

Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.

Stay covered with private healthcare, life insurance, and critical illness cover.

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.

With our equity scheme, you're not just an employee; you're a stakeholder in our journey.

Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.

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.

Our brand-new London office also runs on a hybrid model. You'll often find our CEO working alongside the team with regular visits.

Our close-knit Sydney office has around 20 employees and follows a flexible hybrid model, fostering strong collaboration.

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.

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.

By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. To learn more about how we handle your personal data, you can contact our privacy team at View email address on click.appcast.io or review our privacy notice at