Why We Exist

At Raylo, we’re on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if it’s simple and cost-effective - this is where we come in. Our technology platform powers the lease-and-reuse of devices, making them more sustainable, accessible, and affordable.

We’re building a category-defining marketplace, making premium tech available via subscription for both consumers and businesses. With over 100,000 subscribers in the UK - and growth accelerating - we’ve proven the demand for a smarter, more sustainable way to access technology.

Raylo is a profitable, B Corp-certified company, driven by purpose and backed by leading investors including NatWest, Channel 4 Ventures, Macquarie, Octopus Ventures, and Telefónica. We’re also proud of our industry-leading customer satisfaction, with an Excellent 4.5-star Trustpilot rating from over 7,500 reviews.

If you're looking to make a real impact and be part of a high-growth, mission-driven team, join us at Raylo. Together, we’re not just reducing waste - we’re shaping the future of technology in a way that’s smarter, more sustainable, and built to last.

Our Core Values

💡 Be deeply curious – We thrive on innovation through diverse approaches, views, and people.

👟 Walk in your customer’s shoes – To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.

🎯 Focus and execute – We have a big vision, but we believe in nailing the most important problems first.

💥 Be gritty – Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we’re a team through thick and thin.

What to Expect

You’ll be joining Raylo’s Strategy function as a key member of the Collections Strategy team. The team’s goal is to optimise payment outcomes, reduce customer risk, and deliver smarter customer experiences. Working cross-functionally with Finance, Product, Engineering and Operations, you’ll play a pivotal role in building a best-in-class collections strategy that boosts collections rates and enhances overall business performance.

In this role, you’ll:

• Use data to identify frictions and optimise Raylo’s collections journey.
• Launch and analyse strategic tests to improve customer repayment behaviour.
• Eventually take full ownership of Raylo’s collections strategy and lead data-driven improvements across the function.
  
  

In the short term (3–6 months), you’ll focus on becoming fluent in our current collections landscape, building performance monitoring tools and deploying your first round of tests. In the longer term (12+ months), you’ll lead strategic innovation in collections, delivering measurable impact on revenue retention and risk reduction.

What You’ll Do

• Build and implement new collections strategies through rapid experimentation and data analysis.
• Collaborate with teams across Raylo—including Product, Engineering, Finance, and Ops—to align strategy and execution.
• Use SQL and Looker to deep-dive into datasets and uncover performance insights.
• Define and track KPIs for collections and device recovery, using them to iterate and scale what works.
• Present findings and recommendations clearly to stakeholders, translating complex data into actionable insights.
• Stay on top of trends and best practices in risk management and fintech collections.
  
  

You’ll Succeed With

• 2–4 years’ experience in analytics, credit strategy, or data science, ideally within fintech, credit, or financial services.
• Proven SQL proficiency and experience using BI tools (e.g., Looker, Tableau).
• Experience building dashboards and monitoring frameworks for performance metrics.
• A customer-first mindset, with the ability to break down problems and design effective solutions.
• Excellent communication and stakeholder engagement skills, with the ability to influence across departments.
• A passion for learning, testing, and owning strategies from end to end.
• A STEM degree or equivalent hands-on analytical experience (we're flexible on academic background for the right skillset).
  
  

We’re not looking for you to meet every point on this job description, please still get in touch if you think you could add value and do your best work here at Raylo. We'd love to have a chat and see if you could be a great fit.

Opportunities & Benefits

We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees.

• Share in Raylo’s success – Stock options for all employees
• Get the latest tech – Exclusive Raylo device lease for employees
• 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you
• Invest in your growth – L&D budget to support the skills you value
• Fast-track your career – Two performance reviews a year
• Family-first policies – 5 months full pay for primary caregivers, 1 month for secondary caregivers
• Save big on childcare – Workplace nursery scheme for major cost savings
• Perks on perks – Perkbox membership with discounts & wellbeing benefits
• Good times, guaranteed – Optional quarterly socials, plus summer & Christmas parties
  
  

Hiring Process

What’s next?

Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role within 2 weeks.

We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible.

If there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know.

Stage 1: Talent Screening (30 minutes)

Stage 2: Hiring Manager Interview (45 minutes), followed by a take-home SQL test (60 minutes)

Stage 3: Interview with the VP of Strategy (30 minutes)

Stage 4: On-site: Case Study (60 minutes) & Values-based Interview (45 minutes)

Stage 5: Co-founder Final (45 minutes)

*As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process.

Diversity & Inclusion at Raylo

At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.