Credit Strategy Principal

About Wayflyer

Today's small businesses need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer.

Our technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan.

You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The Challenge

Wayflyer takes credit risk across every segment we lend into, and that risk needs guardrails that hold up under growth, not just on a slide. Right now, we need someone to own two of Credit Strategy's four pillars, the policies and frameworks that govern how we lend, and the underwriting engine that decides who gets funded and how fast. Get this right and we grow faster with more discipline, not less.

What You'll Actually Do

- Design, own, and continuously improve the credit policies and frameworks that govern lending across all customer segments, built to enable growth, not just guard against it.

- Turn Wayflyer's risk appetite into frameworks people can actually use: underwriting rules, portfolio limits, approval authorities, all of it measurable.

- Design the frameworks that let new products and new markets launch within Wayflyer's risk appetite, not around it, you're in the room for new product development and market entry from the start.

- Sit between Risk, Finance, Legal, and Revenue and make sure policy works for all of them, practical, compliant, and aligned with what our funding partners need.

- Use loss experience and portfolio performance to keep policy current, not theoretical, and bring senior leadership real trade-offs as trends emerge.

- Rebuild underwriting from the ground up where it's sl...