Wayflyer
Senior Credit Analyst, New Verticals
Wayflyer, Charlotte, North Carolina, United States, 28245
Join to apply for the
Senior Credit Analyst, New Verticals
role at
Wayflyer .
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 JPMorgan. We've become a trusted financing partner for brands such as True Classic, Little Words Project and Kekoa Foods.
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.
Your Role at a Glance
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 commercial lending, underwriting or credit risk within a bank, fintech or fund.
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
Recharge with 25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.
Stay covered with private healthcare, life insurance, and critical illness cover.
We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.
Remote, Across the US & Europe The majority of our Tech organization works remotely across the UK and Europe. We also have a growing number of remote team members across the US.
How We Handle Your Personal Data 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 privacy@wayflyer.com or review our privacy notice at https://wayflyer.com/privacy-notice.
#J-18808-Ljbffr
Senior Credit Analyst, New Verticals
role at
Wayflyer .
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 JPMorgan. We've become a trusted financing partner for brands such as True Classic, Little Words Project and Kekoa Foods.
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.
Your Role at a Glance
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 commercial lending, underwriting or credit risk within a bank, fintech or fund.
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
Recharge with 25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.
Stay covered with private healthcare, life insurance, and critical illness cover.
We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.
Remote, Across the US & Europe The majority of our Tech organization works remotely across the UK and Europe. We also have a growing number of remote team members across the US.
How We Handle Your Personal Data 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 privacy@wayflyer.com or review our privacy notice at https://wayflyer.com/privacy-notice.
#J-18808-Ljbffr