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, profitable, and customer-centric business models. £70m ARR, growing 58% year on year, with 180,000+ active subscriptions across consumers and small businesses. Profitable, with strong unit economics. And we're trusted by customers too, with a 4.5/5 Trustpilot rating from more than 23,000 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 that powers device subscriptions end to end - credit and fraud decisioning, lifecycle operations (logistics, refurbishment, resale, customer care), 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. We're doing it, and we're building to do it globally. It's a hard problem across technology, operations and regulation, which is why nobody else has cracked it.

Our platform has two sides. Raylo.com 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 their own subscription journeys directly through their DTC and ecommerce channels.

Since 2024, we've circulated over 145,000 devices, given 50,000 of them a second or third life, and cut emissions per device by around 50% compared to the buy-and-discard model. Circularity working in practice, not theory.

We're B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation's Future Fifty.

How We Work

We're living through a second industrial revolution. AI is a fundamental shift in what a small, hungry team can build. Companies that embrace it will define the next decade. Those that don't won't be competing in the same race. We've made our choice.

At Raylo, AI is woven into how we work, every day. We're generous with it - we don't ration tokens and we don't hedge. Our people use the best models and the best tools, and we expect them to do things with those tools that weren't possible a year ago. Processes that used to be good enough are being torn down and rebuilt. Ops teams are replacing spreadsheets with bespoke tooling they've built themselves. Anyone can query our data layer in plain English and get a real answer in seconds. This is deliberate. We have an opinionated AI strategy and we push it hard.

We give every team their own hackathon. Dedicated time to step back and rebuild their own processes from scratch, with no constraints and no legacy thinking - just a blank sheet and the question: if we were starting today, how would we do this? Some of what comes out goes straight to production. All of it changes how people think about their work.

Technology is the enabler. What we're really building is a culture of craft, where everyone plays to their strengths.

There's something worth noticing in all this. The more we automate, the more human relationships matter. AI gives you back time, and we expect people to spend it on the things no model can replicate - the conversations, the trust, the calls that only come from knowing your craft and knowing your team. Good judgement is what we hire for.

We hire to a high bar. The best people want to work with the best people. You'll be surrounded by people who push you and raise your game. We expect you to do the same for us.

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.

Your Team

This placement role sits within Raylo's Finance function, specifically within Operational Finance - a team that keeps the financial engine of the business running accurately and efficiently. The team works closely with stakeholders across the business, from Supply Chain to the SLT and key shareholders, and plays a direct role in how Raylo understands and reports on its financial position.

As a Finance Associate on a placement year, you'll get hands-on experience across the full breadth of an operational finance function. From day one, you'll be involved in accounts payable and receivable, invoice management, payrun set-up, and helping the team compile our monthly management accounts. You'll quickly learn how a fast-growing, profitable fintech manages its finances at scale - and you'll be expected to contribute meaningfully from early on.

As you settle in, you'll take on ad hoc analysis, support quarterly and annual audit tasks, and get exposure to exciting future projects - including AI-driven initiatives using tools like Claude and Notion. By the end of your placement, you'll have built a strong foundation in operational finance, sharpened your analytical skills, and gained real insight into what it means to work in a high-performance finance team.

What You’ll Do

Own core accounts payable - Own accounts payable end to end - managing the invoice inbox via Payhawk, coding and processing invoices accurately, reconciling against Xero, and making sure nothing gets missed or duplicated before it's approved.

Own the accounts receivable process - Own the accounts receivable process - raising and sending invoices, keeping a close eye on what's outstanding, and following up professionally with customers and suppliers to make sure payments come in on time.

Work on the numbers that matter most - Contribute to the monthly management accounts pack - pulling together cost data, supporting variance commentary, and helping ensure the numbers we present to our SLT and shareholders are accurate and on time.

Work cross-functionally - act as a key finance contact for teams across the business, including Supply Chain, building a strong understanding of how different functions connect.

Support audit and analysis - contribute to quarterly and annual audit tasks and ad hoc analysis requested by the team or wider business.

Be part of something genuinely new - get hands-on with AI-powered projects using tools like Claude and Notion that are reshaping how our Finance team operates.

You’ll Succeed With

• Studying a STEM, Finance, or Accounting degree - ideally with exposure to data or quantitative modules.
• Strong attention to detail and a methodical approach to your work. Whether you're reconciling accounts or coding invoices, accuracy matters. You take pride in getting things right and don't let things slip through the cracks.
• Someone who takes the routine seriously. The most important work in operational finance is often the invoice that gets coded correctly, the reconciliation that gets finished before month-end, the payrun that goes out without errors. You're someone who gets that, and does it consistently.
• A curious, proactive mindset. You ask questions, look for ways to improve, and don't wait to be told what to do next. You're interested in how things work - and how they could work better.
• Solid communication skills. You're comfortable asking for help, flagging issues early, and keeping teammates in the loop. You can explain things clearly and adapt your style depending on who you're talking to.
• A basic grounding in Excel or Google Sheets. You don't need to be an expert, but you're comfortable working with data and keen to develop your skills further.
• Some familiarity with finance or accounting principles - whether through your degree, a module, or personal interest. This isn't a hard requirement, but it'll help you hit the ground running.
• An openness to working with AI tools. We use tools like Claude and Notion actively in the Finance team, and we want someone who's curious about how AI can make their work smarter, not someone who waits to be shown.
• A team-first attitude. You understand that a placement year is as much about learning from others as it is about contributing. You're humble, hungry, and ready to get stuck in.
  
  

Opportunities & Benefits

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

📱 Exclusive Raylo device lease for employees

📚 L&D budget to support the skills you value

🏢 Hybrid working model– 3 set days in the Belfast 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.