Strategy & Analytics Manager - Credit & Commercial

Strategy & Analytics Manager – Credit & Commercial

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As Raylo continues to scale its technology‑centric subscription platform, we’re building a high‑performing Strategy & Analytics team to power smarter, faster decision‑making across the business. This new role sits within the Approval Rate team, focusing on optimizing how we approve customers and grow sustainably across both consumer and business products.

You’ll work with a collaborative group of strategists and analysts at the intersection of product, risk, data, and commercial teams. The role offers direct ownership of initiatives with meaningful impact on revenue and unit economics, especially as we scale into new markets and build out new decision‑making infrastructure.

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

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

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 – that’s where we come in. We’re building a category‑defining global subscription infrastructure that makes premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating, we’ve proven demand for a smarter, more sustainable way to access technology.

• 💡 Be deeply curious – We thrive on innovation through diverse approaches, views, and people.
• 👟 Walk in your customer’s shoes – We build the best products and decisions by understanding what customers need.
• 🎯 Focus and execute – We prioritize the most important problems first.
• 💥 Be gritty – Individual ownership, passion, and perseverance drive us forward.

• Stock options for all employees.
• Latest tech: exclusive Raylo device lease.
• Hybrid working model that balances flexibility with in‑person collaboration.
• 33 days off: 25 days + 8 bank holidays with full flexibility.
• L&D budget to support your growth.
• Fast‑track career: two performance reviews a year.
• Family‑first policies: enhanced maternity, paternity, adoption or shared parental leave after 12 months.
• Workplace nursery scheme for childcare savings.
• Perkbox membership with discounts & wellbeing benefits.
• Optional quarterly socials, plus summer & Christmas parties.

Once you submit your application, our Talent Team will contact you if shortlisted. We aim to give you a great candidate experience.

We set an exceptionally high bar at Raylo, and we will strive to accommodate any personal reason – disability, neurodiversity, or other – that makes the application process easier for you.

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

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.

Not Applicable

Full‑time

Other