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 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. 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 View email address on click.appcast.io or review our privacy notice at #J-18808-Ljbffr Wayflyer