Credit Analyst, New Verticals

About Wayflyer

Today's small businesses 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 allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan.

You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The challenge

We move fast. We've deployed over $6bn to small businesses since 2020, and the pace isn't slowing down. As our portfolio grows, so does the complexity - more customers, more data, more decisions to get right. We need someone who can look at a business, understand what's actually going on underneath the numbers, and help us fund the right ones.

What you'll actually do

You'll dig into the financial and operational data of new and existing customers, figuring out what makes their business tick, where the risks are, and whether Wayflyer is the right partner for them right now. You'll join calls with customers, ask the questions that matter, and feed your findings back to the team. You'll work closely with sales and operations to understand how deals are won and managed, and you'll have a hand in building the processes and products that shape how we underwrite. This isn't a back-office role. You'll be making real decisions, at pace.

What this role could turn into

Analysts here don't stay analysts for long if they don't want to. The natural paths are into senior risk roles, portfolio management, or broader data analytics, depending on where your interests take you. We'll actively help you figure that out.

Who thrives here

You're comfortable sitting with ambiguity and still making a call. You can read a set of management accounts and know which number to pull on. You ask questions in client meetings that other people didn't think to ask. You care about getting it right, not just getting it done, and you're commercially sharp enough to know the difference between a risk worth taking and one that isn't.

We hire for range

1-2 years of relevant experience helps, as does a strong academic record in Business, Finance, Economics, Engineering, Law, or Computer Science. You'll need to be comfortable with financial reporting and confident presenting to senior stakeholders. Excel or SQL experience is a plus. A professional qualification (ACA, ACCA, CFA, CIMA) or working towards one is nice to have, but not a dealbreaker. What we care about most is how you think.

Location and Working Policy

Charlotte, hybrid (3-4 days per week in the office)

The good stuff

25 days off, plus public holidays. Private healthcare, life insurance, and critical illness cover. Equity - because you should own a piece of what you're building. Generous parental and adoptive leave for primary and secondary caregivers. And 60 days a year to work abroad from wherever you want.

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