Head of Retail Investments

📝  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.

Wholesale/Retail funding at Wayflyer:

• Wayflyer began funding U.S. companies that sell to retailers and distributors in 2023 because of the significant TAM and opportunity available to us.

• Wholesale/Retail is a fast-growing area for Wayflyer and we are looking for an ambitious Manager to take our underwriting of these customers to the next level in 2025.

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

• Be responsible for the success of Wholesale/Retail underwriting in Wayflyer!

• Make the credit decisions in Wholesale/Retail lending and own the performance of this portfolio , ensuring accurate and consistent evaluation of creditworthiness

• Mentor a high-performing analyst team, fostering development and delivering quality analysis for sound credit decisions

• Drive the evolution of Wayflyer’s Wholesale/Retail underwriting , making efficiencies in our processes and improvements to our credit policies

• Oversee the management of the existing loan portfolio, developing advanced portfolio management strategies and proactively identifying high-risk scenarios

• Shape and execute product and pricing strategies, structuring deals that align with business objectives and market conditions

🔨  What Makes You a Great Fit:

• Essential:

  • 5+ years of relevant work experience - in one (or several) of the following:

    • an investment/lending role at a bank or fund focusing on asset-based lending / PO financing / invoice discounting / recourse factoring

    • a large accounting/auditing firm working with retail/wholesale clients

    • in the finance team of a retail/wholesale business

  • A deep understanding of the Retail/Wholesale industry in the United States and how it interacts with the credit markets is essential

  • Ability to analyse and understand financial reporting (e.g. management accounts / financial models) presented by companies

  • Being very comfortable leading regular internal and external (client) meetings and presenting findings and recommendations to Senior Stakeholders

• Preferred, but not essential:

  • Experience underwriting or auditing asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, or other loan products

  • Experience in managing people

  • CPA/CFA qualification

🤝  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 includ