Why We Exist

Economic incentives, environmental pressures, and regulatory shifts are driving a global move toward the circular economy. Consumers and businesses are already moving away from rigid ownership models in favour of more flexible, affordable access. Yet while big tech has embedded subscriptions in everything from music to software to storage, the $1.5 trillion electronic device market remains deeply underserved.

Until now.

Raylo is the subscription infrastructure for the world's leading electronics brands, powering the circular economy by making devices more accessible, affordable, and flexible for consumers and businesses. The only way customers and manufacturers will make that shift is if it's simple and cost-effective. This is where we come in.

What We've Built

We enable the world’s leading electronics brands to shift from single-use to circular, customer-centric business models. We’re at £70m ARR, profitable, growing fast, with 200,000+ active subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews.

For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you’re done. Behind that sits a sophisticated fintech platform powering device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that lets brands offer subscriptions without using their own balance sheet.

No one else has built the full infrastructure to run electronics subscriptions at scale.

Our platform has two sides. Raylo.com marketplace gives consumers and small businesses access to premium tech from the world’s leading electronics brands. Raylo Pay is our embedded product, enabling brands such as PlayStation and LG to launch subscription journeys directly through their own DTC and ecommerce channels.

The impact of our circular model is big. We cut emissions per device by around 50% compared to buy-and-discard. We’re B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

How We Work

AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade.

Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.

At Raylo, AI is woven into how we work every day. We don’t ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren’t possible a year ago. Processes that used to be good enough are being rebuilt. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds.

We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this?

The more we automate, the more human judgement matters. AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement.

We hire to a high bar. You’ll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it.

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

We’re hiring for a Risk Strategy Director to be at the center of Raylo’s growth as we enter an exciting new phase in 2026. Having launched less than 18 months ago, Raylo business is now the fastest growing proposition for Raylo and this role will be at the centre of that growth. The challenge to bring to it the same level of excellence within credit and fraud risk that has enabled us to scale rapidly and sustainably with the consumer equivalent. Beyond 2026, this role will also lead innovation as Raylo expands business lines across further market, verticals and product lines - we’re now looking for an ambitious leader to shape and execute the risk strategies that will drive this growth.

You’ll combine creativity and technical expertise to lead Risk Strategy for Raylo’s rapidly evolving product set. You’ll thrive on developing thoughtful, data-driven solutions and driving their implementation. As part of your impact, you’ll build and lead a high-performing team capable of making informed decisions where data is abundant and quantifying opportunities where it’s not. Collaboration will be at the heart of your work, as you partner with leaders across Raylo and beyond to deliver results. Your leadership will play a vital role in scaling the business sustainably to new heights.

In 2026, Raylo is uniquely positioned to thrive in a dynamic and evolving macroeconomic environment, and this role is at the core of that opportunity. You’ll work closely with the co-founders and senior leadership to reshape our strategic direction and refine the fundamentals of our products. Your team will be responsible for driving the future of a core strategic advantage, ensuring Raylo continues to grow as a market leader.

What You’ll do

• You’ll lead a team focussed on driving growth through risk analytics and be responsible making key commercial decisions based on analytical insights
• Be at the forefront of new product and partnership launches, working cross functionally with our product, engineering and marketing teams
• Interact with the business’ co-founders and SLT on a daily basis to determine priorities, share context and align on strategy
• Work to hire and motivate a best in class strategy and analytics team that’s able to drive a real competitive edge for Raylo
• All the while, you’ll remain in the detail and data using your technical skills - we get our hands dirty right up to the C-suite level and this role is no different
  
  

You’ll Succeed with

• 7+ years in an analytically focussed decision making role
• A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline.
• Past success within a credit risk or fraud related environment, with experience of SME lending strongly preferred
• Strong SQL proficiency, capable of writing complex queries and using them to independently generate insights.
• The ability to bring clarity to complex, ambiguous problems. You’ll be able to use varied data sources to build a consistent, reliable strategy ideally with experience within risk.
• Using your quantitative and technical skills to dive into the detail of individual projects and proposals, while being able to zoom out and design a multi-year strategy.
• Collaborating in a fast-paced environment both within Raylo and driving external parties to meet the high standards that Raylo achieves internally.
• Building and motivating a high-performing strategy and analytics function that’s able to partner with and deliver seamlessly through all other business functions (Ops, Product, Engineering, Finance, Commercial, Marketing, Data, Talent)
• Taking full responsibility for business critical functions and projects. You’ll be responsible for the development of Raylo’s core competitive advantages and ensuring we stay ahead of the curve.
  
  

Opportunities & Benefits

🚀 Fast-track your career – 40% of our employees are promoted every review cycle (bi-annually)

📱 Exclusive Raylo device lease for employees

📈 Stock options for all employees

📚 L&D budget to support the skills you value

🏢 Hybrid working model– 3 set days in the London Bridge Office (Monday, Wednesday & Thursday)

🌴 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you

👶 Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months.

🧸 Workplace nursery scheme for major cost savings

Hiring Process

We move quickly and we'll aim to give you the best candidate experience possible. It starts with a 15-minute call — no prep needed. If there's a fit, we move fast, every stage has a purpose, and we'll tell you what we're looking for at each one.

If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know.

*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.