Senior Credit Analyst, New Verticals

📝 Company Mission

Our mission is to give the world access to the best products by empowering great brands to reach their growth potential.

💼 About Wayflyer

Today's consumer brands 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 unique 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.

Since launching in April 2020, we've deployed over $4.5bn to thousands of brands worldwide, backed by Tier 1 banks like J.P. Morgan. We've become a trusted financing partner for some amazing brands, like True Classic, Little Words Project and Kekoa Foods.

Teams at Wayflyer are truly cross-functional. You'll be collaborating with ambitious colleagues from around the world - all striving to deliver on a huge opportunity. Check out this video to hear directly from them.

💛 Culture & Values at Wayflyer

At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results. To learn more, please visit our website.

🚀 Your Role at a Glance: The key ways you'll bring value to the team

• Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability

• Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events

• Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow.

• Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries.

• Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships

• Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions

• Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally

🔨 What Makes You a Great Fit

• 3+ years of relevant experience in one or more of the following:

  • Commercial lending, underwriting, or credit risk within a bank, fintech, or fund

  • Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)

• Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)

• Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders

How You’ll Stand Out

• CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)

• Exposure working with global teams

• Experience in data-driven underwriting or fintech environments

🤝 What to Expect After You Apply

You can expect to hear from a member of our Talent Acquisition team soon. If we believe you're a good fit, the first step will be a conversation with a recruiter who will guide you through the next stages of the process. The full interview process, which includes meeting the Hiring Manager and completing a case study or interview loop, typically takes approximately four to six weeks.

🏖️The Perks of Being at Wayflyer

🌴 Time Off That Matters

Recharge with 25 days of paid annual leave, plus public holidays.

🧘 Your Wellbeing

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