Strategy Manager - Credit & Fraud

Overview

4 days ago Be among the first 25 applicantsRaylo exists to accelerate the move to a circular economy. Our technology platform powers the lease-and-reuse of devices, making them more sustainable, accessible, and affordable. We are building a category-defining marketplace that offers premium tech via subscription for both consumers and businesses. With over 100,000 subscribers in the UK and growing, we’re meeting demand for a smarter, more sustainable way to access technology. Raylo is profitable, B Corp-certified, and backed by investors including NatWest, Channel 4 Ventures, Macquarie, Octopus Ventures, and Telefónica. We’re known for industry-leading customer satisfaction (Excellent 4.5-star Trustpilot rating from over 15,000 reviews).

If you’re looking to make a real impact in a high-growth, mission-driven team, join us. We’re reducing waste and shaping the future of technology in a way that’s smarter, more sustainable, and built to last.

Our Core ValuesBe deeply curious – We thrive on innovation through diverse approaches, views, and people.Walk in your customer’s shoes – To build the best products, we must understand what our customers need.Focus and execute – We prioritise the most important problems to solve.Be gritty – Ownership, passion, and perseverance help us succeed as a team.

What To Expect

As Raylo scales, we’re building a high-performing Credit and Fraud Strategy team. The Strategy Manager role focuses on optimising approval rates across consumer and business products, with a direct commercial impact. This role offers the opportunity to shape and optimise a newly implemented decisioning platform during a high-growth phase.You’ll partner with cross-functional teams to integrate new data sources, enhance decisioning logic, and develop scalable solutions that balance complexity, speed, and risk. Your work will help design sustainable growth strategies, deliver on business goals, and influence decisions at the highest levels of the company.As we grow, so will you. The role offers ownership and potential progression into senior strategic roles, helping to define how Raylo uses data-driven decisions to lead the market.

What You’ll Do

Lead strategic projects to optimise approval rates, using our new decisioning platform.Design scalable data frameworks and tracking systems to support smarter decisions.Use SQL and analytics to investigate drivers of performance and identify areas for improvement.Collaborate with Product and Engineering on the technical design and implementation of new decisioning logic and data integrations.Partner with Operations to understand day-to-day impact, close feedback loops, and ensure system robustness.Align with Growth and Marketing on acquisition strategies and performance optimization.Liaise with Risk stakeholders to maintain strong controls and ensure sound, explainable decisions.Drive innovation in automation, monitoring, and performance tuning of decisioning systems.Balance flexibility and scalability while maintaining high data quality across multiple sources.

You’ll Succeed With

3–5+ years in strategy, analytics, or product/data roles within high-growth, data-driven environments.Professional experience with SQL is essential; Python is a plus.Strong track record of using data to solve complex problems and drive commercial outcomes.Background in industries with large data throughput (e.g., fintech, consumer tech, lending, e-commerce).Experience with modern analytics stacks (data warehouses, dashboards, monitoring systems).Excellent communicator, able to translate insights into commercial decisions and trade-offs.Collaborative, adaptable, and comfortable with ambiguity.Strategic thinker with a hands-on problem-solving approach.

Opportunities and Benefits

We continuously improve by listening to quarterly employee surveys to provide the best opportunities and benefits for our people.Stock options for all employeesExclusive Raylo device lease for employees33 days off (25 days + 8 bank holidays) with flexible useLandD budget to support your growthTwo performance reviews a yearFamily-friendly policies – 5 months full pay for primary caregivers, 1 month for secondary caregiversWorkplace nursery scheme for major childcare cost savingsPerkbox membership with discounts and wellbeing benefitsOptional quarterly socials, plus summer and Christmas parties

Hiring Process

What’s next? Once you submit your application, our Talent Team will contact you within 2 weeks if you are shortlisted. We aim to provide the best candidate experience possible. If there’s anything we can do to make your application easier due to disability, neurodiversity, or any other personal reason, please let us know.

As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates during onboarding.

Diversity and Inclusion

Raylo celebrates diversity and is committed to an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives.

Seniority level: Mid-Senior levelEmployment type: Full-timeJob function: OtherIndustries: IT Services and IT ..... full job details .....