Wayflyer · 4 days ago
Senior Credit Policy Analyst
Charlotte, NC
Full-time
Hybrid
Senior Level
6+ years expWayflyer is a financial technology company focused on providing fast and efficient capital solutions for small and medium-sized businesses. The Senior Credit Policy Analyst will be responsible for designing and maintaining credit risk policies, ensuring they support growth while adhering to strong credit discipline, and collaborating with various teams to align policies with business goals.
AnalyticsE-CommerceFinanceMarketing
Responsibilities
Own the design, maintenance, and governance of Wayflyer’s credit risk policies and frameworks across all customer segments, ensuring they enable growth while maintaining strong credit discipline
Translate Wayflyer’s risk appetite into actionable and measurable frameworks, covering underwriting, portfolio management, exposure limits, and approval authorities
Lead the periodic review of credit policies, exposure caps, and delegated authorities, ensuring alignment with business goals, funding partner requirements, and market conditions
Act as the key liaison between Risk, Finance, Legal, and Revenue teams to ensure that all policies are practical, compliant, and support scalable credit growth
Build governance structures (committees, review cadence, escalation pathways) to embed credit risk management into daily operations
Provide analytical and strategic input to senior leadership on credit performance trends and policy implications
Support new product development and market entry initiatives by designing frameworks that align new offerings with Wayflyer’s risk appetite
Lead continuous improvement of credit policies and frameworks by leveraging portfolio data, loss experience, and emerging industry best practices
Qualification
Required
6 to 8+ years of experience in credit risk management, policy design, or risk governance, ideally in fintech, alternative lending, or commercial banking
Proven experience developing and maintaining credit policies or frameworks for SME, Ecommerce, or trade finance portfolios
Strong understanding of credit underwriting principles, portfolio management, and regulatory/risk frameworks
Excellent analytical and communication skills, able to translate risk concepts into actionable frameworks and policies
Skilled at cross-functional collaboration, working closely with Product, Finance, Legal, and Data teams
Experience in reviewing credit performance data and using insights to adjust policy parameters
High attention to detail with the ability to balance structure and agility in a fast-paced environment
Preferred
Experience working with structured finance or warehouse funding arrangements
Familiarity with working capital products such as MCAs, STLs and LOCs
Exposure to the e-commerce sector and the funding needs of the e-commerce clients
Exposure to data-driven credit scoring and automated decisioning
Advanced degree or certification in finance, economics, or risk (CFA, FRM, or similar)
Benefits
25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our •Wellbeing @ Wayflyer• ERG.
Private healthcare, life insurance, and critical illness cover.
Our pension plan helps you build a strong foundation for tomorrow, starting today.
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