We are a highly ambitious team; focused and truly collaborative. We empower people to take ownership through meaningful and impactful work.  We exist to help people and the planet, it’s a big statement but one you’ll wear with pride. 

Raylo is here to change how people get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse and recycle. 

Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers and the environment. Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.

• We are an organically collaborative and dynamic team

• We embrace innovation, seek out challenges and always aim for excellence

• We take intelligent risks, celebrate our wins, and learn from our mistakes

• We help each other by listening, challenging thought and continually improving

• We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch

Just like any other business, Raylo wants to grow. However, one of our key risks in growing is the risk of customers not paying us (since we lease devices over an extended period of 12/24/36 months). This might stem from credit risk (e.g. the customer has historically had issues making payments on time) or fraud risk (e.g. a fraudster is making use of someone else’s details to apply). The role of the approval rate team is to ensure that we can approve as many customers as possible while keeping customer non-payment under control.

Analysis - We look at the data that’s available on customer behaviour, attributes, etc. and develop new strategies on how we can identify the good paying customers

Implementation / Execution - We work with various departments at Raylo (e.g. operations, product/engineering, marketing) as well as external companies to make those strategies happen. This could involve building out a new customer journey, improving an existing one, integrating new data sources, etc.

Currently looking at integrating with a second credit bureau, which would introduce a new source of data to identify good customers

Also looking into creating new journeys or integrating new data sources relating to fraud (e.g. verifying ID documentation, new data sources to verify the bank name, etc.)

- Product/Engineering

- Operations

- Marketing

- Finance

Tools required - SQL, Looker, Excel/Sheets, and other languages e.g. Python or R are a plus but not necessary

Experience being given an open-ended data problem, exploring the data, deriving insight, and providing recommendations

Experience with explaining their results/recommendations to different stakeholders (including those that might be less technical are they able to tell the story based on what the stakeholder needs)

Getting stakeholders on board / aligned to get a change executed

Managing the execution of the change, e.g. handling timelines, monitoring, etc. is useful but can be dependent on how the company is structured, so it’s a plus but not necessary

- Financial services background, especially credit/lending

- Start-ups/scale-ups, especially fast-growing ones

- Consumer-facing company (i.e. the candidate is used to dealing with large volumes of consumer data, rather than in a B2B business where data volumes are smaller/different)

- STEM degrees

- A proven track record with 1-3 years of experience in analytics and/or strategy roles

- You enjoy thinking through complex problems and possess influencing skills to align key stakeholders

- Experience with SQL and data analysis

- Experience using BI tools (Looker, Tableau, Power BI)

- Startup/ScaleUp or Fintech experience

Your chance to make an impact. We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. 

Be part of the change. You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good

• 33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)

• Stock options - get a real stake in Raylo’s growth

• Hybrid working environment (3 days in the London Bridge office & 2 days WFH)

• Enhanced maternity and paternity leave

• Workplace nursery scheme

• Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing

• To do your best work, we’ll give you a laptop and a Raylo phone

• Learning budget - we care deeply about investing in your long-term career growth and potential

• Free sustainable breakfast and snacks, every day you’re in the office

• Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties