Credit Operations Specialist

Before you read on: this role requires shift coverage between 1pm and 5am, including weekends, on a rotating basis, to cover US customer hours. Why We Exist The world is moving away from rigid ownership models in favour of more flexible, affordable access. Our mission is to transform how technology is bought, used and reused creating better outcomes for customers, brands and the planet. What We've Built Raylo is the subscription infrastructure that enables leading electronics brands, including PlayStation, HP and Dyson, to move from one-off device sales to recurring subscription programmes that increase conversion, deepen loyalty and capture more lifetime value. We have over $90m ARR, were profitable, growing fast, with over a quarter of a million subscriptions across consumers and small businesses. Behind that sits an AI-powered operating system that executes and manages device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that enables brands to run subscription programmes at scale. Brands can unlock a powerful new growth engine with Raylo across embedded checkout, and the customer app converting more DTC customers, reaching subscription-first demand, and driving repeat upgrades that compound customer lifetime value. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds. We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this? AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement. We hire to a high bar. Youll work with people who push you, raise your game and expect you to do the same. Our Core Values Be deeply curious We thrive on innovation through diverse approaches, views, and people. Walk in your customers 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. Your Team Join Raylo as an Operations Associate and become part of the team at the heart of our growing business. As we expand into new markets, you'll help keep operations running smoothly for customers across the US. This role sits within Raylo's Operations function - spanning Customer Success, Collections, Credit Risk, and Supply Chain & Logistics - and is focused withinCustomer Success. You'll be one of the first points of contact for our customers, resolving queries and ensuring a high-quality experience, while gaining hands-on exposure to how a fast-growing tech business operates at scale and using AI platforms to improve efficiency and reporting. You'll build a strong foundation in operations, customer experience, and problem-solving, with growing responsibility over time and the chance to work alongside a wide range of stakeholders. Learn and apply Raylos operational processes, systems, and tools to deliver a consistent and high-quality customer experience. Work closely with teammates to manage and resolve a range of customer scenarios, building confidence in handling more complex cases over time. Use data and insightsfrom day-to-day work to identify trends, inefficiencies, and opportunities to improve customer experience and operational performance. Collaborate with cross functional teams across Operations and beyond to understand how different functions work together to support customers and the business. Customer service experience is a plus Being data-driven and proactiveby using the knowledge gained from industry or university to guide your decisions. You are an advocate for our customers by building and maintaining long-lasting relationships. Total commitment to the US night operation. Opportunities & Benefits We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees. Fast-track your career 40% of our employees are promoted every review cycle (bi-annually) Exclusive Raylo device lease for employees Private Medical Insurance Stock options for all employees L&D budget to support the skills you value Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. 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.