We hire to a high bar. You'll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it.

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 Collections Associate, you’ll join our Belfast-based Operations team, playing a key role in helping UK customers manage their accounts and resolve arrears. You’ll be on the front lines of our collections operation, supporting customers across phone, chat and email, setting up payment arrangements and handling more complex situations with empathy, care and consistency.

Around 80% of your time will be customer-facing, giving you the opportunity to make a real impact on the customer experience while helping protect Raylo’s recurring revenue and device base. You’ll manage live casework, using AI-powered tools and technology to work efficiently, improve workflows and deliver the best possible outcomes for our customers.

This is a hands-on role in a fast-paced, high-performance tech environment, where you’ll have the opportunity to build your collections expertise while contributing to how we evolve and scale our operations.

You’ll work closely with your teammates and line manager, collaborating across the wider business to ensure customers receive a fair, consistent and supportive collections experience.

What You'll Do

• Manage live customer casework – managing UK customer accounts, resolving arrears, setting up payment arrangements and supporting customers with the return of Raylo devices.
• Handle complex cases and escalations – resolving complex or sensitive cases, handling escalations and identifying when additional support or intervention is needed.

You'll Succeed With

• Deliver high-quality customer support – providing consistent, empathetic support to customers across phone, chat and email.
• Leverage operational data and AI tools – using data and AI tools to manage your workload effectively and optimise collections workflows.
• Help refine processes and tooling – contributing ideas and helping improve Collections processes and tooling as the operation continues to evolve.
• Collaborate with Operations and wider teams – working closely with your Belfast teammates, line manager and stakeholders across the wider business to ensure alignment across collections, credit, risk and servicing functions.

You'll Succeed With

• 3+ years of relevant experience - in Collections, ideally in fintech or consumer finance.
• Live-domain mastery - Collections expertise with sharp decision-making and credit risk knowledge.
• Curiosity and modern tool literacy - Leverage data and AI to optimize workflows and identify risk patterns.
• Communication - Provide clear, actionable handovers and feedback to team members and stakeholders.

We're not looking for you to meet every point on this job description - if you're excited about this role and think you'd thrive at Raylo, we'd love to hear from you.

Opportunities & Benefits

• Career Growth: 🚀 Fast-track your career - 40% of our employees are promoted every review cycle (bi-annually)
• Device Lease: 📱 Exclusive Raylo device lease for employees
• Healthcare: 🏥 Private Medical Insurance
• Equity: 📈 Stock options for all employees
• Learning & Development: 📚 L&D budget to support the skills you value
• Hybrid Working: 🏢 4 set days in the Belfast office
• Flexible Time Off: 🌴 33 days off, your way – 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you
• Parental Leave: 👶 Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months
• Childcare Support: 🧸 Workplace nursery scheme for major cost savings

Hiring Process

We move quickly and we'll aim to give you the best candidate experience possible. It starts with a 15-minute call — no prep needed. If there's a fit, we move fast, every stage has a purpose, and we'll tell you what we're looking for at each one.

If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know.

*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.