At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less.

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 Business Analyst, you'll be at the centre of our operational engine, driving strategic initiatives that directly impact our business performance and customer experience. You'll have particular ownership of our revenue and billing systems, managing monthly processing, whilst also supporting initiatives across the supply chain and customer experience.

You'll work cross-functionally with internal teams and external partners to optimise revenue and billing performance, reduce friction, and build scalable processes that support our rapid growth. This includes managing complex vendor relationships, improving payment systems, and navigating business and regulatory requirements. You'll have the autonomy to shape how we operate, using data and insight to drive decisions that matter.

Your work will directly influence operational efficiency, customer satisfaction, and financial performance, all whilst supporting Raylo's circular and sustainable business model

What You’ll Do

• Lead end-to-end strategic and operational projects across revenue & billing —delivering measurable impact on performance and costs.

• Own revenue and billing operations strategy—optimising payment processes, improving internal process management, reducing manual workarounds, and partnering with cross-functional stakeholders on vendor performance and regulatory compliance.

• Build and own performance dashboards and reporting that give the business clear visibility on revenue and billing metrics, payment performance, and operational health.

• Manage critical vendor relationships — monitoring performance against SLAs, driving accountability, and finding pragmatic solutions for critical processes.

• Analyse operational data to surface insights, identify risks and bottlenecks, and develop recommendations that drive step-change improvements across the business.

• Develop business cases for new initiatives (including process automation and new tooling), quantifying investment requirements, expected ROI, and implementation roadmaps.

• Design, test, and implement new processes, automation, and tools that embed best practices—balancing short-term operational fixes with longer-term strategic solutions.

• Oversee onboarding of new partners, products, and operational capabilities, ensuring seamless integration and long-term scalability.

• Drive cross-functional alignment between Strategy, Product, Finance, and Customer Ops—connecting Operations Strategy projects into broader business goals.

• Coach and develop junior team members, building analytical rigour and problem-solving capability across the operations function.

You’ll Succeed With

• **3–5 years' experience in operations, spanning areas such as revenue strategy, billing, payments, or process improvement—**ideally in fast-paced environments like fintech, payments platforms, tech-enabled lending, consumer electronics, or FMCG.
• Strong analytical and technical skills, you're proficient in Excel or SQL, and comfortable using BI tools like Looker, Tableau, or similar to extract insights and drive decisions.
• **Degree-level education in a STEM or analytical field (**e.g., Engineering, Maths, Economics, Data Science, or similar).
• Experience managing vendor relationships, holding partners accountable to SLAs, navigating technical constraints, and finding pragmatic workarounds for financial services systems
• Experience building business cases, you can quantify problems, model scenarios, and present compelling recommendations that secure stakeholder buy-in.
• Understanding of payment systems, collections processes, or billing operations—including regulatory requirements and direct debit management
• Proven ability to manage complexity, whether coordinating across multiple partners, navigating cross-functional priorities, or balancing competing operational demands.
• Commercial acumen, you understand the P&L impact of operational decisions and can optimise for cost, efficiency, and customer experience simultaneously.
• A self-starter with strong ownership, you identify problems before they escalate, run with ambiguity, and iterate quickly, balancing firefighting with strategic improvements.
• Excellent stakeholder management, you collaborate effectively across teams and influence at all levels, from operational partners to senior leadership**.**
• Alignment with Raylo's mission, you care about circularity, sustainability, and building a better way to access technology.

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
• Hybrid working model– that balances flexibility with in-person collaboration, empowering you to do your best work while staying connected with the team.
• 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 – Enhanced maternity, paternity, adoption or shared parental leave, if you’ve been with us for 12 months.
• 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

Stage 2: Hiring Manager Interview

Stage 3: Task Stage: Take-home task

Stage 4: On-site Task Review & Stakeholder Interview

Stage 5: Values-based Interview & Co-founder Final

• 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.