Credit Strategy & Analytics Manager

Raylo Group; Greater London; Hybrid; GBP 55,000 - 75,000; Full time

Benefits offered by this job

Stock options

L&D budget

Hybrid working

Job summary

Raylo is building a circular electronics subscription platform in London. This analytics role focuses on scaling collections and recoveries globally, using data to inform decisions that balance customer outcomes with strong unit economics.

You will collaborate with cross-functional teams and external partners, bring strategic insight, and own initiatives end-to-end in a fast-paced environment.

Qualifications

• 3+ years of experience in analytics or data-focussed collections and recovery strategy roles.
• A 2:1 or higher from a top university.
• Using SQL and Python to analyze collections and recovery strategies and deliver actionable insights.
• Ability to think strategically while handling detailed data work.
• Strong collaboration across diverse teams and stakeholder management.
• Ownership mindset: take responsibility for end-to-end work.

Responsibilities

• Define and scale Raylo’s global collections and recoveries strategy
• Champion data-informed decisions balancing customer outcomes with unit economics
• Collaborate with operations, product, finance and engineering to turn insight into action
• Design scalable strategies aligned with Raylo’s objectives
• Support Raylo’s sustainable, circular approach to electronics

Skills

SQL

Python

Stakeholder management

Data analysis

Education

2:1 from a top university in STEM

Tools

SQL databases

Python libraries

Job description

The world is moving away from rigid ownership models in favour of more flexible, affordable access. Yet the $1.5 trillion device market has barely moved.

Our mission is to transform how technology is bought, used and reused — creating better outcomes for customers, brands and the planet.

What We've Built

Raylo is the subscription infrastructure that enables leading electronics brands, including PlayStation, HP and Dyson, to move from one-off device sales to recurring subscription programmes that increase conversion, deepen loyalty and capture more lifetime value.

We have over $100m ARR, we’re profitable, growing fast, with over a quarter of a million subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews.

For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you’re done. Behind that sits an AI-powered operating system that executes and manages device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that enables brands to run subscription programmes at scale.

Brands can unlock a powerful new growth engine with Raylo across embedded checkout, Raylo.com and the customer app — converting more DTC customers, reaching subscription-first demand, and driving repeat upgrades that compound customer lifetime value.

The impact of our circular model is big. We cut emissions per device by around 50% compared to buy-and-discard. We’re B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

How We Work

AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade.

Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.

At Raylo, AI is woven into how we work every day. We don’t ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren’t possible a year ago. Processes that used to be good enough are being rebuilt. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds.

We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this.

The more we automate, the more human judgement matters. AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement.

We hire to a high bar. You’ll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it.

Our Core Values

Be deeply curious

We thrive on innovation through diverse approaches, views, and people.

Walk in your customer’s shoes

To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.

Focus and execute

We have a big vision, but we believe in nailing the most important problems first.

Be gritty

Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we’re a team through thick and thin.

What You’ll Do

• Reporting to the VP of Strategy & Analytics, you’ll work closely with cross-functional partners to define and scale Raylo’s global collections and recoveries strategy across products, verticals and markets.
• You’ll use your technical and analytical expertise to champion data-informed decisions that materially improve performance, balancing customer outcomes with strong unit economics as Raylo continues to grow.
• You’ll collaborate closely with internal teams across operations, product, finance and engineering, as well as external partners, to turn insight into action and deliver meaningful, measurable change.
• You’ll bring strong commercial judgement, confidently navigating competing priorities and stakeholders to design strategies that are robust, scalable and aligned with Raylo’s broader objectives.
• Your work will play a direct role in enabling Raylo’s sustainable, circular approach to consumer electronics, ensuring that growth is responsible, efficient and built to last.

You’ll Succeed With

• A proven track record with 3+ years of experience in analytics or data-focussed collections and recovery strategy roles
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Using your technical skills (SQL, Python) to get into the details of our collections and recovery strategies, leveraging internal and external datasets to deliver actionable insight into critical business functions.
• The ability to also step back from the detail of the data and think strategically while delivering as part of a larger team.
• Collaborating in a fast-paced environment across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data-driven decision-making and educate others.
• Taking responsibility and ownership for the work in the entire area - if you’re not getting it done, then no one is

Fast-track your career – 40% of our employees progress every review cycle (bi-annual)

Stock options for all employees

L&D budget to support the skills you value

Hybrid working model– 3 set days in the London Bridge Office (Monday, Wednesday & Thursday)

33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you

Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months.

Workplace nursery scheme for major cost savings

Hiring Process

We move quickly and we'll aim to give you the best candidate experience possible. It starts with a 15-minute call — no prep needed. If there's a fit, we move fast, every stage has a purpose, and we'll tell you what we're looking for at each one.

If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know.

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

Diversity & Inclusion at Raylo

At Raylo, 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.