Why We Exist

At Raylo, we’re on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if it’s simple and cost-effective - this is where we come in. Our technology platform powers the lease-and-reuse of devices, making them more sustainable, accessible, and affordable.

We’re building a category-defining marketplace, making premium tech available via subscription for both consumers and businesses. With over 100,000 subscribers in the UK - and growth accelerating - we’ve proven the demand for a smarter, more sustainable way to access technology.

Raylo is a profitable, B Corp-certified company, driven by purpose and backed by leading investors including NatWest, Channel 4 Ventures, Macquarie, Octopus Ventures, and Telefónica. We’re also proud of our industry-leading customer satisfaction, with an Excellent 4.5-star Trustpilot rating from over 15,000 reviews.

If you're looking to make a real impact and be part of a high-growth, mission-driven team, join us at Raylo. Together, we’re not just reducing waste - we’re shaping the future of technology in a way that’s smarter, more sustainable, and built to last.

Our Core Values

Be deeply curious – We thrive on innovation through diverse approaches, views, and people.

Walk in your customer’s shoes – To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want.

Focus and execute – We have a big vision, but we believe in nailing the most important problems first.

Be gritty – Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we’re a team through thick and thin.

What to Expect…

As a Risk Operations Associate, you’ll be at the heart of Raylo’s mission, ensuring that our leasing proposition is delivered responsibly while protecting both our customers and business from fraud. You will work closely with the Risk Ops Manager to drive efficiency, oversee application referrals, and develop processes that enhance the integrity of our risk operations. Your role will be pivotal in optimising onboarding journeys, resolving fraud-related issues, and improving the customer experience.

You will leverage industry-leading fraud prevention and consumer credit tools to analyse risk trends, identify vulnerabilities, and refine processes. In this dynamic environment, you’ll have the opportunity to develop strategies that enhance fraud detection capabilities while enabling sustainable growth for Raylo.

Your work will contribute directly to improving the efficiency and effectiveness of Raylo’s Risk Operations team. With your expertise, you’ll play a key role in shaping risk strategies that align with our business objectives, all while working in a fast-paced, data-driven environment.

What You’ll Do…

Manage customer and business application referrals – Use fraud, credit, and KYC platforms to deliver objective high-quality decisions in an efficient and customer-friendly manner.
Lead fraud investigations – Conduct in-depth investigations, gathering and analysing evidence to ensure compliance, mitigate risks, and uphold fairness in decision-making.
Optimise risk workflows – Identify inefficiencies in existing processes and implement improvements to enhance fraud prevention and approval rate.
Monitor risk trends and emerging fraud tactics – Stay ahead of industry fraud threats, identifying trends and vulnerabilities to refine risk policies.
Develop fraud detection strategies – Work cross-functionally to design and refine fraud prevention techniques, leveraging automation and AI-driven insights where applicable.
Mentor and develop junior team members – Support skill development and knowledge sharing within the team to foster continuous learning and improvement.
Ensure flexibility in Risk Operations – Some evening or weekend work may be required to maintain robust fraud detection and underwriting processes.

You’ll Succeed With…

1 year of experience in credit underwriting, fraud prevention, or risk management within an FCA-regulated consumer finance business.
Proficiency in KYC verification and fraud detection tools, such as CIFAS, ComplyAdvantage, or similar platforms.
Strong analytical mindset with experience in Google Sheets/Excel and data visualisation tools like Looker, Power BI, or Tableau.
Meticulous attention to detail – You’ll have a keen eye for spotting anomalies and inconsistencies that could indicate fraud.
Excellent written and verbal communication skills, enabling you to explain complex risk scenarios and interact effectively with internal and external stakeholders.
Problem-solving and adaptability – You’ll thrive in a fast-moving, dynamic environment where new fraud threats emerge regularly.
Passion for innovation – You’ll be motivated to continually improve risk detection strategies, leveraging new technologies and data insights.

We’re not looking for you to meet every point on this job description, please still get in touch if you think you could add value and do your best work here at Raylo. We'd love to have a chat and see if you could be a great fit.

Opportunities & Benefits

We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees.

Share in Raylo’s success – Stock options for all employees
Get the latest tech – Exclusive Raylo device lease for employees
33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you
Invest in your growth – L&D budget to support the skills you value
Fast-track your career – Two performance reviews a year
Family-first policies – 5 months full pay for primary caregivers, 1 month for secondary caregivers
Save big on childcare – Workplace nursery scheme for major cost savings
Perks on perks – Perkbox membership with discounts & wellbeing benefits
Good times, guaranteed – Optional quarterly socials, plus summer & Christmas parties.

Hiring Process

What’s next?

Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role.

We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible.

If there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know.

Stage 1: Talent Screening (30 minutes)

Stage 2: On-site Hiring Manager Interview (45 minutes)

Stage 3: Task Stage: Take-home task (60 minutes) > On-site Task Review (15 minutes)

Stage 4: Interview with VP of Operations (45 minutes)

Stage 4: On-site Values-based Interview (45 minutes) & Final Interview with VP of Operations (45 minutes)

*As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process.

Diversity & Inclusion at Raylo

At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.

Job Types: Full-time, Permanent

Pay: From £25,400.00 per year

Benefits:

Casual dress
Company events
Company pension
Employee discount
Employee stock purchase plan
Enhanced maternity leave
Enhanced paternity leave
Referral programme
Sick pay

Ability to commute/relocate:

Belfast BT2 8GD: reliably commute or plan to relocate before starting work (required)

Experience:

people management: 1 year (required)

Work authorisation:

United Kingdom (required)

Work Location: Hybrid remote in Belfast BT2 8GD

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