Senior Credit Analyst, New Verticals

Wayflyer • Charlotte, NC

2d • Hybrid

About The Position

This role is for a Senior Credit Analyst focused on New Verticals at Wayflyer. Wayflyer provides capital to Small and Medium-sized Businesses (SMBs) through a technology-driven platform that assesses businesses quickly and provides financing offers. Since its launch in April 2020, Wayflyer has deployed over $5 billion to thousands of brands worldwide, supported by banks like J.P. Morgan. The company emphasizes cross-functional collaboration among ambitious colleagues globally. Wayflyer values integrity, creativity, and bold optimism, aiming to empower businesses to reach their growth potential.

Requirements

• 3+ years of relevant experience in one or more of the following: Commercial lending, underwriting, or credit risk within a bank, fintech, or fund
• Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)
• Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)
• Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders

Nice To Haves

• CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)
• Exposure working with global teams
• Experience in data-driven underwriting or fintech environments

Responsibilities

• Analyze bank statements, management accounts, and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity, and overall collectability.
• Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars, and events.
• Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue, and evaluate the sustainability of sales growth, margins, and cashflow.
• Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models, and credit policies that drive sound decision-making across industries.
• Collaborate with Sales and Operations teams to understand customer acquisition, onboarding, and long-term funding relationships.
• Learn about the loan portfolio and risk management approach, including performance monitoring, early warning signal detection, and exiting high-risk positions.
• Work cross-functionally with product, data, engineering, and commercial teams on high-impact projects that shape underwriting, funding, and support for businesses globally.

Benefits

• 25 days of paid annual leave, plus public holidays
• Wellbeing support and resources
• Private healthcare
• Life insurance
• Critical illness cover
• Generous parental and adoptive leave program for both Primary and Secondary caregivers
• Equity scheme
• Freedom to work remotely from anywhere in the world for up to 60 calendar days a year

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed