Senior Credit Analyst, New Verticals

Wayflyer Limited

Job Overview

Location

Charlotte, North Carolina

Job Type

Full-time

Full Job Description

📋 Description

• Analyze bank statements, management accounts, and non-financial data of new and existing customers to assess cash conversion cycles, repayment capacity, and overall collectability.
• Identify and evaluate credit risks associated with funding diverse business types including software, professional services, healthcare, bars, and events.
• Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue, and assess the sustainability of sales growth, margins, and cash flow.
• Collaborate with Credit Strategy and Product teams to refine lending frameworks, scoring models, and credit policies across new verticals.
• Work closely with Sales and Operations teams to understand customer acquisition, onboarding processes, and the development of long-term funding relationships.
• Learn and contribute to the monitoring of the loan portfolio, including detection of early warning signals and execution of exit strategies for high-risk positions.
• Partner cross-functionally with Product, Data, Engineering, and Commercial teams on high-impact initiatives that shape global underwriting, funding, and customer support systems.
• Apply strong understanding of financial statements—including P&L, balance sheet, and cash flow—to conduct comprehensive credit analysis.
• Present findings, recommendations, and risk assessments to senior stakeholders during internal and client-facing meetings.
• Support the evolution of data-driven underwriting practices within a fintech environment.
• Contribute to the expansion of Wayflyer’s credit capabilities into new business verticals in the North American market from the Charlotte office.
• Maintain alignment with company values of integrity, creativity, and bold optimism while delivering exceptional credit decision-making under tight timelines.

🎯 Requirements

• 3+ years of relevant experience in commercial lending, underwriting, or credit risk within a bank, fintech, or fund
• Strong understanding of financial statements (P&L, balance sheet, cash flow) and credit analysis
• Comfort leading internal and client-facing meetings and presenting findings to senior stakeholders

🏖️ Benefits

• 25 days of paid annual leave plus public holidays
• Private healthcare, life insurance, and critical illness cover
• Equity scheme offering stakeholder participation in company success
• Generous parental and adoptive leave program for primary and secondary caregivers
• Ability to work remotely from anywhere in the world for up to 60 calendar days per year
• Access to wellbeing support and resources through the Wellbeing @ Wayflyer ERG

Skills & Technologies

Senior

Remote

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Wayflyer Limited

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About Wayflyer Limited

Wayflyer Limited provides non-dilutive working capital and analytics to e-commerce businesses. It offers revenue-based financing, cash advances, and performance insights through data-driven underwriting. Founded in 2019 and headquartered in Dublin, the company serves online retailers across the United States, United Kingdom, Europe and Australia, enabling them to fund inventory, marketing and growth initiatives without equity loss. Wayflyer integrates with platforms such as Shopify, WooCommerce and Amazon to assess real-time sales metrics, delivering funding approvals within 24 hours and repayment terms aligned to daily sales performance.

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