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. We’re building a category-defining global subscription infrastructure, making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating - we’ve proven the demand for a smarter, more sustainable way to access technology.

Raylo is a fast-growing and profitable company, backed by global investors including Macquarie, NatWest, and Channel 4 Ventures.

We are proud to have been selected for Endeavor’s network in 2024, underscoring our role as a high-impact, mission-driven business with global ambitions. And in 2025 we were recognised as part of Tech Nation’s UK’s Future Fifty programme.

We have been B-Corp certified since 2021 and were recently acknowledged by S&P Global for the positive impact of our circular business model via a Green Financing with NatWest.

At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less.

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

As a Graduate KYC Analyst, you’ll be at the heart of Raylo’s mission, ensuring that our leasing proposition is delivered responsibly while protecting both our customers and business from fraud. You will work closely with the Risk Ops Manager to drive efficiency, oversee application referrals, and develop processes that enhance the integrity of our risk operations. Your role will be pivotal in optimising onboarding journeys, resolving fraud-related issues, and improving the customer experience.

You will leverage industry-leading fraud prevention and consumer credit tools to analyse risk trends, identify vulnerabilities, and refine processes. In this dynamic environment, you’ll have the opportunity to develop strategies that enhance fraud detection capabilities while enabling sustainable growth for Raylo.

Your work will contribute directly to improving the efficiency and effectiveness of Raylo’s Risk Operations team. With your expertise, you’ll play a key role in shaping risk strategies that align with our business objectives, all while working in a fast-paced, data-driven environment.

What You’ll Do

• Manage customer and business application referrals – Use fraud, credit, and KYC platforms to deliver objective, high-quality decisions in an efficient and customer-friendly manner.
• Lead fraud investigations – Conduct in-depth investigations, gathering and analysing evidence to ensure compliance, mitigate risks, and uphold fairness in decision-making.
• Optimise risk workflows – Identify inefficiencies in existing processes and implement improvements to enhance fraud prevention and approval rate.
• Monitor risk trends and emerging fraud tactics – Stay ahead of industry fraud threats, identifying trends and vulnerabilities to refine risk policies.
• Develop fraud detection strategies – Work cross-functionally to design and refine fraud prevention techniques, leveraging automation and AI-driven insights where applicable.
• Ensure flexibility in Risk Operations – Some evening or weekend work may be required to maintain robust fraud detection and underwriting processes.
  
  

You’ll Succeed With

• A degree-level education
• Strong analytical mindset with experience in Google Sheets/Excel.
• Meticulous attention to detail – You’ll have a keen eye for spotting anomalies and inconsistencies that could indicate fraud.
• Excellent written and verbal communication skills, enabling you to explain complex risk scenarios and interact effectively with internal and external stakeholders.
• Problem-solving and adaptability – You’ll thrive in a fast-moving, dynamic environment where new fraud threats emerge regularly.
• Passion for innovation – You’ll be motivated to continually improve risk detection strategies, leveraging new technologies and data insights.
  
  

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
• Hybrid working model – that balances flexibility with in-person collaboration, empowering you to do your best work while staying connected with the team.
• 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 – Enhanced maternity, paternity, adoption or shared parental leave, if you’ve been with us for 12 months.
• 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.

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 (30-45 minutes)
• Stage 2: Hiring Manager Interview (45 minutes)
• Stage 3: Task Stage: Take-home Task (60 minutes) and a Task Review (15 minutes)
• Stage 4: Values-based Interview (45 minutes) & VP Final Interview (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.