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Credit Strategy Principal

Wayflyer· Commercial
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Hybrid (Dublin), Hybrid (London)Full-timePosted 11mo ago

About the role

Senior role owning two pillars of Credit Strategy: policies/frameworks and the underwriting engine, with a strong emphasis on building scalable, AI-enabled policy architectures and partnering across Risk, Finance, Legal, and Revenue.

Responsibilities

  • 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, involved in new product development and market entry from the start.
  • Sit between Risk, Finance, Legal, and Revenue and ensure policy is practical, compliant, and aligned with funding partners' needs.
  • Use loss experience and portfolio performance to keep policy current, presenting real trade-offs to senior leadership as trends emerge.
  • Rebuild underwriting from the ground up where it's slow or manual; design new playbooks by segment; reduce friction.
  • Build standardized risk scorecards from design to production, collaborating with Decision Science and Engineering.
  • Incorporate new data sources into underwriting (bureau, alternative data, etc.) and manage end-to-end vendor evaluation.
  • Own the override taxonomy and feedback loop to sharpen policy and scorecards.
  • Develop policy architecture for increasingly automated, lower-touch underwriting, leveraging AI where appropriate.
  • Utilize AI tools to generate credit packs, underwriting memos, and scenario analyses, with expert validation.
  • Provide segment-level insights (concentration risk, vintage curves, trends) for monthly reporting and Board materials, coordinating with the data team.

Qualifications

  • 8–10+ years in credit risk, policy design, or risk governance in fintech, alternative lending, or commercial banking environments.
  • Track record of building policies, frameworks, or scorecards from first principles to production, collaborating with Engineering and Data Science.
  • Experience with SME or e-commerce lending exposure, working capital and term lending products (MCAs, STLs, RCFs, LOCs) is a plus.
  • Advanced degree or certification in finance, economics, or risk (CFA, FRM, or similar) is a bonus.

Skills

Required:Policy designUnderwriting framework designData-driven decision makingScorecard developmentStakeholder collaboration

Benefits

  • 25 days off, plus public holidays
  • Private healthcare
  • Life insurance
  • Critical illness cover
  • Equity
  • Generous parental and adoptive leave for primary and secondary caregivers
  • 60 days a year to work abroad from wherever you want
Last updated Jul 30, 2026. Interested? Apply on the company site.
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About Wayflyer

eCommerce, Amazon & Wholesale Funding | $5K-$20M | Wayflyer

Flexible financing for DTC, Amazon & Wholesale brands. Apply in minutes, get $5K-$20M in hours. Fast and hassle-free, limited risk, no spend restrictions.

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