Credit Analyst (Graduate)

Wayflyer; Charlotte (NC); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Annual leave

Private healthcare

Life insurance

Pension plan

Parental leave

Equity

Work abroad opportunity

Job summary

Wayflyer in Charlotte, NC is hiring a Graduate Credit Analyst to join our risk and growth team. The hybrid role blends data analysis, financial storytelling, and direct collaboration with customers to understand funding needs and risk.

You'll learn to assess ecommerce finances, quantify risk, and partner with sales and operations to improve processes and products while advancing toward a professional finance path within Wayflyer.

Qualifications

• Strong academic record in Business, Finance, Economics, Engineering, Law or Computer Science (completed or near completion).
• Comfort with financial reporting and an instinct for data (Excel or SQL is a plus).

Responsibilities

• Discover the story behind the data and analyse financial and non-financial data to understand how the business works.
• Assess and quantify risk by evaluating ecommerce growth challenges and funding needs.
• Join regular calls to understand customers' business models, funding needs and future plans.
• Collaborate with management to build and implement new processes and products.
• Support sales and operations by understanding how they win and manage customer relationships.
• Learn portfolio management tools and determine when to exit risky relationships.

Job description

Wayflyer

Credit Analyst (Graduate)

Hybrid - Charlotte, North Carolina, United States

Sep 22, 2026

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

Wayflyer's growth depends on knowing exactly who we can fund and how much risk that carries. This role exists to dig into the data behind every customer, business and financial, and turn it into decisions that let us fund eCommerce growth responsibly.

What you'll actually do

Discover the story behind the data - analyse financial and non-financial data on new and existing customers to understand how their business really works

Assess and quantify risk - learn to evaluate the challenges of running an eCommerce business and how Wayflyer can fund that growth responsibly

Connect with customers directly - join regular calls to deepen our understanding of their business models, funding needs, and future plans

Collaborate with management to build and implement new processes and products

Support sales and operations by understanding how they win and manage customer relationships

Learn our existing loan portfolio and portfolio management tools, including when to exit risky relationships

Collaborate across Wayflyer - partner with teams across the business to connect dots, share insights, and drive impact

What this role could turn into

This is a launchpad, not a lane. Past analysts in this seat have moved into Senior Credit Risk Analyst roles, crossed into Portfolio Management, and built careers in Commercial or Strategic Finance as Wayflyer's risk function has scaled.

Who thrives here

Someone insatiably curious about how businesses actually work, not just their numbers. You ask questions because you need the real answer, not because you're expected to. You think founder-first, you're comfortable presenting your own conclusions in a room, and you're ambitious enough to want to prove it fast.

We hire for range

You don't need years of experience, you need trajectory. A strong academic record in Business, Finance, Economics, Engineering, Law or Computer Science (completed or near completion) is your starting point. From there, what matters is how quickly you pick things up: comfort with financial reporting, an instinct for data (Excel or SQL is a plus), and momentum toward a professional finance or accounting qualification if that's your path.

Location and working policy

Based in our Charlotte HQ. Hybrid, 3-4 days onsite to start, transitioning to a more flexible remote role over time.

The good stuff

25 days annual leave plus public holidays, private healthcare, life insurance and critical illness cover, a pension plan, generous parental leave, equity, and the option to work from abroad for up to 60 days a year.

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 [e-mail] or review our privacy notice at https://wayflyer.com/privacy-notice.

Wayflyer

Unlock your business's full potential with access to purpose-built financing.

Wayflyer empowers eCommerce businesses with accessible, non-dilutive funding solutions, enabling rapid growth and unlocking potential through flexible working capital support.

One Park Place Hatch Street Upper, Saint Kevin's Dublin 2 Ireland, Dublin, County Dublin 2, IE 51-53 Hatton Garden London, 6th Floor, The Bindery, London, EC1N 8HN , GB 240 Kent Ave, Wayflyer c|o Industrious, Floor 3, Brooklyn, New York 11249, US 100 Market Street Sydney,, Level 5, Sydney, New South Wales 2000, AU