The more we automate, the more human judgement matters. 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 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.

Your Team

As a Risk Operations Lead, you’ll report to our Risk Operations leadership and spearhead our first dedicated team for US customers, covering fraud, credit risk, and insurance decisioning. In this hands-on, player-coach role, you’ll lead four Associates while handling live casework yourself. You will collaborate closely with the wider Risk team, manage the critical UK-to-US handover, and build consistent decision standards from day one. We’re looking for someone with deep, practical fraud and credit experience - not just audit or policy, who thrives on building high-performing teams from scratch.

What You’ll Do

• Run the night shift – lead a team of four Associates on a fixed, rotating pattern dedicated to the US customer base.
• Own decisions – apply established risk standards to make well-reasoned calls, determining when to resolve, hold, or escalate complex cases.
• Maintain a hands-on approach – manage active casework across fraud, credit risk, and insurance.
• Drive operational performance – oversee queue health, SLAs, quality, and capacity, providing comprehensive handovers to leadership.
• Coach and develop your team – work alongside Associates on live cases, offer real-time guidance, and foster consistent decision-making across the cohort.
• Turn data into action – leverage analytical insights to identify emerging fraud or risk trends and implement effective countermeasures.
• Partner cross-functionally – collaborate with the broader Operations and Risk Strategy teams to ensure alignment across decisioning frameworks.
• Shape scalable operations – provide evidence-based recommendations on capacity, shift patterns, and processes as US volumes expand, while establishing clear career progression pathways for your Associates.

You’ll Succeed with

• 5+ years of relevant experience – in team leadership and fraud, credit risk, or insurance decisioning, ideally within a fast-paced fintech or consumer finance environment.
• Live-domain mastery – deep experience in fraud, credit risk, and insurance, backed by the confidence to make sharp, high-stakes customer calls using policy, data, and human judgement - not just advising from the sidelines.
• Player-coach approach – you lead from the front, taking on live casework alongside your team while raising their bar, coaching in real time, and driving high standards across the shift.
• Curiosity and modern tool literacy – you naturally leverage data, AI, and smart tooling to spot emerging risk patterns, streamline manual workflows, and optimise shift performance.
• Communication – you can distill complex risk signals into tight handovers and deliver transparent, actionable feedback to team members and stakeholders alike.
• Total commitment to the US night operation – You'll work a rotating 4 days on, 4 days off shift pattern, with shifts falling between 1pm and 5am, including weekends.

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

• 📱 Exclusive Raylo device lease for employees
• 🏥 Private Medical Insurance
• 📈 Stock options for all employees
• 📚 L&D budget to support the skills you value
• 🏢 Hybrid working model– 4 days in the Belfast Office, 1 day work from home.
• 👶 Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months.
• 🧸 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.