Senior Credit Analyst, New Verticals

Your Role at a Glance: 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 What Makes You a Great Fit: 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 How You’ll Stand Out: CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one) Exposure working with global teams Experience in data-driven underwriting or fintech environments 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 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 #J-18808-Ljbffr