Risk Operations Lead

Raylo; Belfast City District; Hybrid; GBP 80,000 - 110,000; Full time

Benefits offered by this job

Exclusive device lease

Private medical insurance

Stock options

L&D budget

Hybrid work model

Parental leave

Nursery scheme

Job summary

Raylo is seeking a Risk Operations Lead in Belfast to head the US night operations for fraud, credit risk, and insurance decisioning. You will lead four Associates in a hands-on, player-coach role and build scalable, data-driven processes.

You will own decisions, ensure high-quality risk judgments, and collaborate with the broader Risk team to set consistent standards. Hybrid work includes 4 days in Belfast and 1 day remote.

Qualifications

• 5+ years of relevant experience in team leadership and fraud, credit risk, or insurance decisioning.
• Live-domain mastery in fraud and credit risk.
• Player-coach approach leading from the front on live cases.
• Curiosity and modern tool literacy using data, AI and smart tooling.
• Communication and ability to give clear handovers to stakeholders.

Responsibilities

• Run the night shift – lead a team of four Associates for the US customer base.
• Own decisions using established risk standards to decide on hold, resolve or escalate cases.
• Maintain a hands-on approach by handling live casework in fraud, credit risk and insurance.
• Drive operational performance by overseeing queue health, SLAs, quality and capacity.
• Coach and develop the team through live casework and real-time guidance.
• Turn data into action by identifying risk trends and implementing countermeasures.
• Partner with cross-functional teams to align decisioning frameworks.
• Shape scalable operations with evidence-based recommendations on capacity and shift patterns.

Skills

Risk leadership

Fraud expertise

Credit risk

Insurance decisioning

Data-driven decisions

AI tooling

Tools

AI tooling

Job description

Before you read on: this role requires shift coverage between 1pm and 5am, including weekends, on a rotating basis, to cover US customer hours. This is a fixed requirement of the role.

Why We Exist

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 $90m 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 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.

Your Team

As a Risk Operations Lead, you’ll report to our Risk Operations leadership and spearhead our first dedicated team for US customers, covering fraud, credit risk, and insurance decisioning. In this hands‑on, player‑coach role, you’ll lead four Associates while handling live casework yourself. You will collaborate closely with the wider Risk team, manage the critical UK-to‑US handover, and build consistent decision standards from day one. We’re looking for someone with deep, practical fraud and credit experience - not just audit or policy, who thrives on building high‑performing teams from scratch.

What You’ll Do

• Run the night shift – lead a team of four Associates on a fixed, rotating pattern dedicated to the US customer base.
• Own decisions – apply established risk standards to make well‑reasoned calls, determining when to resolve, hold, or elevate complex cases.
• Maintain a hands‑on approach – manage active casework across fraud, credit risk, and insurance.
• Drive operational performance – oversee queue health, SLAs, quality, and capacity, providing comprehensive handovers to leadership.
• Coach and develop your team – work alongside Associates on live cases, offer real‑time guidance, and foster consistent decision‑making across the cohort.
• Turn data into action – lever age analytical insights to identify emerging fraud or risk trends and implement effective countermeasures.
• Partner cross‑functionally – collaborate with the broader Operations and Risk Strategy teams to ensure alignment across decisioning frameworks.
• Shape scalable operations – provide evidence‑based recommendations on capacity, shift patterns, and processes as US volumes expand, while establishing clear career progression pathways for your Associates.

You’ll Succeed with

• 5+ years of relevant experience – in team leadership and fraud, credit risk, or insurance decisioning, ideally within a fast‑paced fintech or consumer finance environment.
• Live‑domain mastery – deep experience in fraud, credit risk, and insurance, backed by the confidence to make sharp, high‑stakes customer calls using policy, data, and human judgement - not just advising from the sidelines.
• Player‑coach approach – you lead from the front, taking on live casework alongside your team while raising their bar, coaching in real time, and driving high standards across the shift.
• Curiosity and modern tool literacy – you naturally leverage data, AI, and smart tooling to spot emerging risk patterns, streamline manual workflows, and optimise shift performance.
• Communication – you can distill complex risk signals into tight handovers and deliver transparent, actionable feedback to team members and stakeholders alike.
• Total commitment to the US night operation – You'll work a rotating 4 days on, 4 days off shift pattern, with shifts falling between 1pm and 5am, including weekends.

We’re not looking for you to meet every point on this job description. Please still get in touch if you think you could add value and do your best work here at Raylo. We'd love to have a chat and see if you could be a great fit.

Opportunities & Benefits

Exclusive Raylo device lease for employees

Private Medical Insurance

Stock options for all employees

L&D budget to support the skills you value

Hybrid working model– 4 days in the Belfast Office, 1 day work from home.

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.