Wayflyer · 3 months ago
Senior Credit Analyst, New Verticals
Charlotte, NC
Full-time
Hybrid
Mid, Senior Level
3+ years expWayflyer is a capital provider focused on empowering SMBs to reach their growth potential through innovative financing solutions. The Senior Credit Analyst will analyze financial data, assess risks for various business types, and collaborate with cross-functional teams to refine lending frameworks and credit policies.
AnalyticsE-CommerceFinanceMarketing
Responsibilities
Analyse 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 our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally
Qualification
Required
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
Preferred
CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)
Exposure working with global teams
Experience in data-driven underwriting or fintech environments
Benefits
25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our •Wellbeing @ Wayflyer• ERG.
Stay covered with private healthcare, life insurance, and critical illness cover.
We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.
Company
Wayflyer
Wayflyer provides funding and marketing analytics to e-commerce businesses.
201-500 employees
H1B Sponsorship
Wayflyer has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (6)
2024 (1)
2023 (2)
2022 (3)
Funding
Current Stage
Growth StageTotal Funding
$1.89BKey Investors
JP MorganLeft Lane CapitalQED Investors
2023-09-05Debt Financing· $1B
2022-09-01Debt Financing· $253M
2022-05-12Debt Financing· $300M
Leadership Team
Aidan Corbett
Co-Founder & CEO
Recent News
2025-12-25
2025-10-25
Company data provided by crunchbase