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<div class="ember-view organization-about-module__content-consistant-cards-description" id="ember55"><span class="lt-line-clamp__line">Our mission is to accelerate the transition to a circular economy. Consumers and retailers will only make</span>&nbsp;<span class="lt-line-clamp__line">that transition if it is cost effective and simple. That's where we come in. Our technology platform enables</span>&nbsp;<span class="lt-line-clamp__line lt-line-clamp__line--last">lease-and-reuse of consumer goods, which makes them more sustainable, accessible and affordable.</span></div>
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Focus: Mitigation or Adaptation

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Climate Solutions

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Empowering circular economy with sustainable, affordable lease-and-reuse of consumer goods.

<div><b style="font-size:18px;">Who we are</b></div><div>We are a highly ambitious team; focused and truly collaborative. We empower people to take ownership through meaningful and impactful work.  We exist to help people and the planet, it’s a big statement but one you’ll wear with pride. </div><div><br></div><div>Raylo is here to change how people get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse and recycle. </div><div><br></div><div>Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers and the environment. Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.</div><div><br></div><div><b style="font-size:18px;">Life at Raylo</b></div><div>	•   We are an organically collaborative and dynamic team </div><div>	•   We embrace innovation, seek out challenges and always aim for excellence </div><div>	•   We take intelligent risks, celebrate our wins, and learn from our mistakes </div><div>	•   We help each other by listening, challenging thought and continually improving </div><div>	•   We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch</div><div><br></div><div><span style="font-size:14pt;">What to Expect…</span></div><div><span style="font-size:11pt;">Our Risk team is at the core of Raylo working across functions, products, and as we scale internationally, to monitor front-line performance and ensure the business is monitoring and controlling risk. People in the Risk team are among the first in the company to get involved in new business initiatives, from Operations, Supply Chain, through Finance to Customer Success.</span></div><div><br></div><div><span style="font-size:11pt;">We’re looking for a Risk Manager to continue improving our enterprise risk management framework and governance structures. Reporting to the Chief Risk Officer, you'll identify and mitigate risks, improve internal controls, and support our risk reporting. You'll collaborate with stakeholders, provide guidance to the team and enjoy challenging our processes to help drive improvements. Join us as we continue to build out our world-class risk function supporting Raylo’s ambitious growth.</span></div><div><br></div><div><span style="font-size:14pt;">What you’ll do…</span></div><div><b style="font-size:11pt;">- Working with the first line of defence</b><span style="font-size:11pt;"> to identify, assess, document, and regularly review risks of all types across the business</span></div><div><b style="font-size:11pt;">- Provide second-line oversight</b><span style="font-size:11pt;"> of risks and maintain enterprise risk management framework </span></div><div><b style="font-size:11pt;">- Developing and implementing risk policies</b><span style="font-size:11pt;"> and procedures, key risk indicators, and risk appetite statement</span></div><div><b style="font-size:11pt;">- Monitoring risk against limits</b><span style="font-size:11pt;"> and thresholds, producing reports for management and board</span></div><div><b style="font-size:11pt;">- Evaluating and implementing risk management tools</b><span style="font-size:11pt;"> and systems</span></div><div><b style="font-size:11pt;">- Monitoring KRI breaches</b><span style="font-size:11pt;"> and working with the business to resolve them within a set timeline</span></div><div><b style="font-size:11pt;">- Providing guidance, support and training</b><span style="font-size:11pt;"> to the business on risk management practices and governance</span></div><div><b style="font-size:11pt;">- Establish and maintain effective internal control systems</b><span style="font-size:11pt;"> to safeguard company assets, prevent fraud, and ensure data integrity and security</span></div><div><b style="font-size:11pt;">- Identifying, assessing, and mitigating third-party risks</b><span style="font-size:11pt;"> identified via risk and control testing during onboarding, ongoing monitoring, and off-boarding processes</span></div><div><b style="font-size:11pt;">- Defining third-party risk management policies</b><span style="font-size:11pt;">, procedures, and playbooks</span></div><div><b style="font-size:11pt;">- Stay updated on industry trends</b><span style="font-size:11pt;">, regulatory changes, and emerging risks in consumer credit and asset finance, and adapt governance strategies accordingly</span></div><div><b style="font-size:11pt;">- Help to foster a culture of compliance</b><span style="font-size:11pt;">, ethics, and operational excellence through training and education programs</span></div><div><br></div><div><span style="font-size:14pt;">You’ll succeed with…</span></div><div><span style="font-size:11pt;">- </span><b style="font-size:11pt;">3+ years of experience in operational or enterprise risk management</b><span style="font-size:11pt;"> in banking, fintech or financial services consultancy</span></div><div><span style="font-size:11pt;">- Experience in some or all </span><b style="font-size:11pt;">risk frameworks, audit &amp; controls, risk monitoring &amp; reporting, third-party risk management and information security</b></div><div><span style="font-size:11pt;">- </span><b style="font-size:11pt;">Knowledge of financial regulations </b><span style="font-size:11pt;">that impact fintech operations (e.g. GDPR, Consumer Duty, AML, KYC) </span></div><div><span style="font-size:11pt;">- High level of proficiency in </span><b style="font-size:11pt;">Excel</b></div><div><span style="font-size:11pt;">- </span><b style="font-size:11pt;">Ability to leverage data</b><span style="font-size:11pt;"> to monitor risk, ensure compliance and optimise governance processes</span></div><div><span style="font-size:11pt;">- </span><b style="font-size:11pt;">Education to degree level</b><span style="font-size:11pt;">, ideally STEM degree</span></div><div><span style="font-size:11pt;">- Being curious and never accepting assumptions</span></div><div><span style="font-size:11pt;">- An organised and methodological approach</span></div><div><span style="font-size:11pt;">- Previous examples of interpreting and organising complexity</span></div><br><br><br><div>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.</div><div><br></div><div><b style="font-size:18px;">Opportunities &amp; Benefits</b></div><div><b>Your chance to make an impact.</b><span style="font-size:12pt;"> </span>We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. </div><div><br></div><div><b>Be part of the change. </b>You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good</div><div><br></div><div><b>Other benefits include; </b></div><div>	•   33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)</div><div>	•   Stock options - get a real stake in Raylo’s growth</div><div>	•   Hybrid working environment </div><div>	•   Enhanced maternity and paternity leave </div><div>	•   Workplace nursery scheme </div><div>	•   Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing</div><div>	•   To do your best work, we’ll give you a laptop and a Raylo phone</div><div>	•   Learning budget - we care deeply about investing in your long-term career growth and potential</div><div>	•	 Free sustainable breakfast and snacks, every day you’re in the office</div><div>	•   Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties</div><div><br></div><div><b style="font-size:18px;">Diversity Statement</b></div><div>Raylo is an equal opportunities employer and we are committed to building a diverse and inclusive work environment where we learn from each other. We welcome people of diverse backgrounds, experiences, abilities and perspectives and believe it adds value to our organisation. Working at Raylo is super fun and we’d love to tell you more about it.</div>

Operational Risk Manager

<div><b style="font-size:18px;">Who we are</b></div><div><span style="font-size:11pt;">We are a highly ambitious team—focused and truly collaborative. We empower people to take ownership through meaningful and impactful work. We exist to help people and the planet; it’s a big statement but one you’ll wear with pride.</span></div><div><br></div><div><span style="font-size:11pt;">Raylo is here to change how people and businesses get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse, and recycle.</span></div><div><br></div><div><span style="font-size:11pt;">Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers, businesses, and the environment. Less waste, better value. We’re serious—Raylo is here to lead the change in consumption of consumer technology.</span> Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.</div><div><br></div><div><b style="font-size:18px;">Life at Raylo</b></div><div>	•   We are an organically collaborative and dynamic team </div><div>	•   We embrace innovation, seek out challenges and always aim for excellence </div><div>	•   We take intelligent risks, celebrate our wins, and learn from our mistakes </div><div>	•   We help each other by listening, challenging thought and continually improving </div><div>	•   We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch</div><div><br></div><div><b style="font-size:18px;">What to Expect…</b></div><div>We are entering an exciting inflection point in our journey at Raylo as we approach a key fundraising milestone that will rapidly propel our growth. As a complex business with enormous potential, particularly within our high-performing finance function, Raylo is seeking a highly driven Strategic Finance Associate to join our expanding strategic finance team. Reporting directly to the Senior Strategic Finance Manager and with direct exposure to senior leadership, this high-impact role is integral to supporting Raylo’s strategic decisions through precise financial forecasting and data analysis. This role will suit someone who thrives on intellectual challenge and innovation, with the opportunity to play a pivotal part in shaping Raylo’s growth trajectory and influence high-stakes decision-making.</div><div><br></div><div>You will be responsible for ensuring the financial forecast model remains accurate and flexible as the business scales, highlighting risks and opportunities to plan, and will have a key role in shaping our financial planning processes. You will also analyse financial and non-financial data, working closely with key stakeholders across the business to understand performance drivers and provide valuable, actionable insights.</div><div><br></div><div>Your contributions will have a lasting impact. We are a data-driven organisation, and your insights will be essential in shaping strategic decisions that will fuel our growth at this pivotal stage. Over time, your role will expand to include more direct involvement in strategic discussions and commercial analysis, such as running sensitivity analyses to inform new product launches and marketing spend strategies and supporting with setting and tracking divisional budgets. </div><div><br></div><div><b style="font-size:18px;">You’ll be great at…</b></div><div><b>Financial Analysis: </b>You’ll maintain and regularly update the financial forecast model following best practices, prepare monthly variance analysis, and support capital allocation decisions by providing precise, actionable financial insights.</div><div><br></div><div><b>Collaborating Across Teams:</b> You’ll work closely with the broader finance team and various departmental heads across geographies, enabling effective decision-making by tracking KPIs consistently and accurately.</div><div><br></div><div><b>Adaptability &amp; Driving Outcomes:</b> Working in a fast-paced, agile environment, you’ll have a key role in shaping Raylo’s financial planning and analysis processes, including by supporting with standardising the budgeting process and improving our variance and KPI reporting to enhance the visibility of financial performance across the business.</div><div><br></div><div><b>Growth &amp; Development: </b>Within 3 months, you’ll be familiar with the financial model, including financial modelling best practices, draft variance analysis and support with board and shareholder communications. By 6 months, you’ll be able to update the financial model and prepare variance analysis and KPI reporting, and by 12 months, you’ll be running sensitivity analyses, tracking divisional budgets, and engaging directly with divisional heads.</div><div><br></div><div>This role offers a unique opportunity to impact Raylo’s future growth by joining at an inflection point for the business supporting critical decision-making, with direct exposure to senior leadership and a clear path for professional growth and advancement.</div><div><br></div><div><b style="font-size:18px;">You’ll succeed with…</b></div><div><b>Experience &amp; Background:</b> 2-3 years in a highly analytical finance role within investment banking, asset management, private equity, M&amp;A advisory, or a comparable function, with exposure to startup, tech, or high-growth environments.</div><div><br></div><div><b>Educational Foundation: </b>Bachelor’s degree in a quantitative field such as Finance, Economics, or a STEM discipline (e.g., Engineering, Mathematics, Physics) or equivalent practical experience.</div><div><br></div><div><b>Technical Skills:</b> Proficiency in Excel for complex financial modelling, with experience in balance sheet-driven financial companies or project finance modelling preferred. Familiarity with SQL and Looker is beneficial but not required.</div><div><br></div><div><b>Analytical Rigour:</b> Strong analytical skills, meticulous attention to detail, and a passion for using data-driven insights to support strategic decision-making.</div><div><br></div><div><b>Effective Communication:</b> Ability to convey complex financial insights at different levels of altitude, including to non-financial stakeholders through clear verbal and written communication.</div><div><br></div><div><b>Collaborative Mindset:</b> A proactive, self-sufficient approach to data gathering and a collaborative, team-oriented mindset are essential. You’ll work seamlessly and independently with internal teams and support senior leadership, sharing knowledge openly and adapting to an innovative, results-driven environment.</div><div><br></div><br><br><br><div>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.</div><div><br></div><div><b style="font-size:18px;">Opportunities &amp; Benefits</b></div><div><b>Your chance to make an impact.</b><span style="font-size:12pt;"> </span>We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. </div><div><br></div><div><b>Be part of the change. </b>You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good</div><div><br></div><div><b>Other benefits include; </b></div><div>	•   33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)</div><div>	•   Stock options - get a real stake in Raylo’s growth</div><div>	•   Hybrid working environment (London Bridge office)</div><div>	•   Enhanced maternity and paternity leave </div><div>	•   Workplace nursery scheme </div><div>	•   Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing</div><div>	•   To do your best work, we’ll give you a laptop and a Raylo phone</div><div>	•   Learning budget - we care deeply about investing in your long-term career growth and potential</div><div>	•	 Free sustainable breakfast and snacks, every day you’re in the office</div><div>	•   Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties</div><div><br></div><div><b style="font-size:18px;">Diversity Statement</b></div><div>Raylo is an equal opportunities employer and we are committed to building a diverse and inclusive work environment where we learn from each other. We welcome people of diverse backgrounds, experiences, abilities and perspectives and believe it adds value to our organisation. Working at Raylo is super fun and we’d love to tell you more about it.</div>

Strategic Finance Associate

<div><b style="font-size:18px;">Who we are</b></div><div><span style="font-size:11pt;">We are a highly ambitious team—focused and truly collaborative. We empower people to take ownership through meaningful and impactful work. We exist to help people and the planet; it’s a big statement but one you’ll wear with pride.</span></div><div><br></div><div><span style="font-size:11pt;">Raylo is here to change how people and businesses get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse, and recycle.</span></div><div><br></div><div><span style="font-size:11pt;">Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers, businesses, and the environment. Less waste, better value. We’re serious—Raylo is here to lead the change in consumption of consumer technology.</span> Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.</div><div><br></div><div><b style="font-size:18px;">Life at Raylo</b></div><div>	•   We are an organically collaborative and dynamic team </div><div>	•   We embrace innovation, seek out challenges and always aim for excellence </div><div>	•   We take intelligent risks, celebrate our wins, and learn from our mistakes </div><div>	•   We help each other by listening, challenging thought and continually improving </div><div>	•   We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch</div><div><br></div><div><span style="font-size:24px;">What to Expect…</span></div><div><span style="font-size:11pt;">We are entering an exciting phase of growth at Raylo, and we are seeking an experienced Director to propel our strategic expansion. In this role, you will be instrumental in driving <a href="http://Raylo.com">Raylo.com</a>'s accelerated growth by strategically building a comprehensive supply of great devices to the marketplace. Your role will involve cultivating and optimising existing OEM relationships and securing optimal pricing, inventory, and marketing support for <a href="http://Raylo.com">Raylo.com</a>. You will also identify and establish high-potential new OEMs and/or categories. As a key member of our team, you will have the opportunity to help build our OEM engagement, sales and growth strategy, positioning <a href="http://Raylo.com">Raylo.com</a> for accelerated subscriber growth within the consumer and SMB segments.</span></div><div><br></div><div><br></div><div><span style="font-size:24px;">What you’ll do…</span></div><div><b style="font-size:11pt;">1. Nurture and optimise existing relationships with OEMs &amp; Distis (e.g. Westcoast, Ingram, and TD Synnex)</b></div><div><span style="font-size:11pt;">- Strategically manage and enhance our current partnerships with OEMs</span></div><div><span style="font-size:11pt;">- Leverage already established relationships to optimise stock availability, secure competitive pricing and obtain marketing support for <a href="http://Raylo.comConduct">Raylo.com</a></span></div><div><span style="font-size:11pt;">- Conduct regular meetings with partners, providing comprehensive performance metrics and market insights to maintain transparency and foster long-term collaboration</span></div><div><br></div><div><b style="font-size:11pt;">2.  Build and maintain strong relationships with new OEMs</b></div><div><span style="font-size:11pt;">- Develop and execute a strategic outreach plan to identify and engage with potential OEMs.</span></div><div><span style="font-size:11pt;">- Promote the benefits of the Raylo model and <a href="http://Raylo.com">Raylo.com</a> marketplace. </span></div><div><span style="font-size:11pt;">- Leverage the new relationships to optimise stock availability, secure competitive pricing and obtain marketing support for <a href="http://Raylo.com">Raylo.com</a></span></div><div><br></div><div><b style="font-size:11pt;">3. Collaborate with cross-functional teams to ensure alignment of strategic business goals </b></div><div><span style="font-size:11pt;">- Work in collaboration with our Supply Chain, Marketing &amp; Strategy teams to align sales strategies with wider business objectives </span></div><div><span style="font-size:16px;">- </span><span style="font-size:11pt;">Provide regular feedback and updates to relevant teams to ensure visibility and alignment on strategic objectives</span></div><div><span style="font-size:11pt;">- Assist the cross-functional teams to optimise pricing and stock availability for product launches, refreshes and category expansions</span></div><div><br></div><div><span style="font-size:24px;">Who You Are</span></div><div><b><span style="font-size:11pt;">+ Experienced Sales &amp; Partnerships Leader:</span></b><span style="font-size:11pt;"> With 10+ years in Sales and Partnerships in the UK, you have a proven ability to create and maintain strong working relationships with large organisations </span></div><div><br></div><div><b><span style="font-size:11pt;">+ Strategic Visionary:</span></b><span style="font-size:11pt;"> Your background in electronics equips you with a valuable network of potential prospects and partners and has provided you with the insights required to navigate complex relationships and drive high-value partnerships</span></div><div><br></div><div><b><span style="font-size:11pt;">+ Sharp:</span></b><span style="font-size:11pt;"> With a degree from a top university, you bring analytical rigour and data-driven thinking to prioritise and optimise opportunities</span></div><div><br></div><div><b><span style="font-size:11pt;">+ Self-Starter</span></b><span style="font-size:11pt;">: With experience in high-growth environments, you are capable of taking initiative and making things happen independently </span></div><div><br></div><div><b style="font-size:11pt;">+ Great Communicator: </b><span style="font-size:11pt;">You’re able to clearly communicate with varying levels of both internal and external stakeholders </span></div><div><br></div><div><b><span style="font-size:11pt;">+ Passionate About Circularity:</span></b><span style="font-size:11pt;"> You’re excited about an opportunity that’s right at the start of a super-cycle of more sustainable circular consumption</span></div><br><br><br><div>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.</div><div><br></div><div><b style="font-size:18px;">Opportunities &amp; Benefits</b></div><div><b>Your chance to make an impact.</b><span style="font-size:12pt;"> </span>We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. </div><div><br></div><div><b>Be part of the change. </b>You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good</div><div><br></div><div><b>Other benefits include; </b></div><div>	•   33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)</div><div>	•   Stock options - get a real stake in Raylo’s growth</div><div>	•   Hybrid working environment (London Bridge office)</div><div>	•   Enhanced maternity and paternity leave </div><div>	•   Workplace nursery scheme </div><div>	•   Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing</div><div>	•   To do your best work, we’ll give you a laptop and a Raylo phone</div><div>	•   Learning budget - we care deeply about investing in your long-term career growth and potential</div><div>	•	 Free sustainable breakfast and snacks, every day you’re in the office</div><div>	•   Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties</div><div><br></div><div><b style="font-size:18px;">Diversity Statement</b></div><div>Raylo is an equal opportunities employer and we are committed to building a diverse and inclusive work environment where we learn from each other. We welcome people of diverse backgrounds, experiences, abilities and perspectives and believe it adds value to our organisation. Working at Raylo is super fun and we’d love to tell you more about it.</div>

Supply Director

<div><b style="font-size:18px;">Who we are</b></div><div><span style="font-size:11pt;">We are a highly ambitious team—focused and truly collaborative. We empower people to take ownership through meaningful and impactful work. We exist to help people and the planet; it’s a big statement but one you’ll wear with pride.</span></div><div><br></div><div><span style="font-size:11pt;">Raylo is here to change how people and businesses get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse, and recycle.</span></div><div><br></div><div><span style="font-size:11pt;">Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers, businesses, and the environment. Less waste, better value. We’re serious—Raylo is here to lead the change in consumption of consumer technology.</span> Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.</div><div><br></div><div><b style="font-size:18px;">Life at Raylo</b></div><div>	•   We are an organically collaborative and dynamic team </div><div>	•   We embrace innovation, seek out challenges and always aim for excellence </div><div>	•   We take intelligent risks, celebrate our wins, and learn from our mistakes </div><div>	•   We help each other by listening, challenging thought and continually improving </div><div>	•   We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch</div><div><br></div><div><span style="font-size:16pt;">What You’ll Do</span></div><div><span style="font-size:11pt;">We are looking for a Mid-Level Backend Engineer to join our Engineering team in London (1 day in the office/ 4 days WFH). You’ll be working in a cross-functional team with smart people who are passionate about our mission and product. Our current team is built up of experienced and motivated engineers, and you will have the opportunity to be mentored, lead technical discussions, and contribute to a culture of excellence. At our core, we care deeply about delivering an exceptional user experience and creating great products that make a difference in people's lives.</span></div><div><br></div><div><span style="font-size:11pt;">Our engineers have end-to-end ownership of their code from development through to deployment and maintenance. We ship up to multiple times per day, supported by a healthy collection of units and automated end-to-end tests. You can expect to be challenged and rewarded for your hard work and innovation, both building on the work of others and leading on some features and projects. We believe that the little things matter, like keeping our libraries up-to-date and running the latest version of Rails. We take pride in the quality of our code and are committed to writing code that is maintainable, scalable, and efficient.</span></div><div><br></div><div><span style="font-size:11pt;">We are laser-focused on our mission and to achieve that we cannot build everything ourselves. We make use of best-in-class SaaS solutions, allowing our engineers to focus on what really counts. We believe that the best software is a combination of great code and great tools, and we strive to provide our engineers with the best tools available.</span></div><div><br></div><div><span style="font-size:16pt;">Who you are</span></div><div><span style="font-size:14.6667px;">• </span><span style="font-size:11pt;">You have 3+ years of commercial experience as a Backend Engineer using Ruby on Rails.</span></div><div><span style="font-size:11pt;">• You have developed and maintained efficient, reliable, and scalable code using best practices. </span></div><div><span style="font-size:11pt;">• You’ve collaborated with other team members and cross-functional stakeholders adjacent to the team or in the wider business. </span></div><div><span style="font-size:11pt;">• You can work in a fast-paced environment where you balance delivering customer value and implementing elegant technical solutions.</span></div><div><span style="font-size:11pt;">• Nice to have: you’ve built GraphQL APIs.</span></div><div><br></div><div><span style="font-size:14pt;">Our current tech stack</span></div><div><span style="font-size:14.6667px;">• </span>Backend - Ruby (3.3), Rails (7), Postgres (16), Redis (7)</div><div><span style="font-size:14.6667px;">• </span>Frontend - <a href="http://Next.js">Next.js</a>, React</div><div>• Infrastructure - Heroku, GCP, AWS, Netlify, Cloudflare</div><div>• Data pipeline - Stitch, Keboola, BigQuery, DBT, Census, Hightouch</div><div>• CRM - <a href="http://Customer.io">Customer.io</a>, Intercom</div><div>• Analytics - Looker, Amplitude, Google Analytics</div><div>• Tooling - Github, Coralogix, Github Actions, Playwright, Sentry</div><br><br><br><div>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.</div><div><br></div><div><b style="font-size:18px;">Opportunities &amp; Benefits</b></div><div><b>Your chance to make an impact.</b><span style="font-size:12pt;"> </span>We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. </div><div><br></div><div><b>Be part of the change. </b>You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good</div><div><br></div><div><b>Other benefits include; </b></div><div>	•   33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)</div><div>	•   Stock options - get a real stake in Raylo’s growth</div><div>	•   Hybrid working environment (London Bridge office)</div><div>	•   Enhanced maternity and paternity leave </div><div>	•   Workplace nursery scheme </div><div>	•   Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing</div><div>	•   To do your best work, we’ll give you a laptop and a Raylo phone</div><div>	•   Learning budget - we care deeply about investing in your long-term career growth and potential</div><div>	•	 Free sustainable breakfast and snacks, every day you’re in the office</div><div>	•   Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties</div><div><br></div><div><b style="font-size:18px;">Diversity Statement</b></div><div>Raylo is an equal opportunities employer and we are committed to building a diverse and inclusive work environment where we learn from each other. We welcome people of diverse backgrounds, experiences, abilities and perspectives and believe it adds value to our organisation. Working at Raylo is super fun and we’d love to tell you more about it.</div>

Backend Engineer

<div><b style="font-size:18px;">Who we are</b></div><div><span style="font-size:11pt;">We are a highly ambitious team—focused and truly collaborative. We empower people to take ownership through meaningful and impactful work. We exist to help people and the planet; it’s a big statement but one you’ll wear with pride.</span></div><div><br></div><div><span style="font-size:11pt;">Raylo is here to change how people and businesses get their tech for good. That means giving them access to the products they really want, but doing so in a responsible, sustainable way. We provide Seamless Circularity, where every device gets an extended life through our automatic, effortless cycle of refurb, reuse, and recycle.</span></div><div><br></div><div><span style="font-size:11pt;">Our secret sauce is leasing. By providing a subscription alternative, we're cracking open a staid old market and bringing real change to consumers, businesses, and the environment. Less waste, better value. We’re serious—Raylo is here to lead the change in consumption of consumer technology.</span> Less waste, better value. We’re serious - we want to lead the change in consumption of consumer technology.</div><div><br></div><div><b style="font-size:18px;">Life at Raylo</b></div><div>	•   We are an organically collaborative and dynamic team </div><div>	•   We embrace innovation, seek out challenges and always aim for excellence </div><div>	•   We take intelligent risks, celebrate our wins, and learn from our mistakes </div><div>	•   We help each other by listening, challenging thought and continually improving </div><div>	•   We live our mission, walk in our customers’ shoes, focus and execute, and are a curious and gritty bunch</div><div><br></div><div><b><span style="font-size:18px;">What to Expect</span></b></div><div>Just like any other business, Raylo wants to grow. However, one of our key risks in growing is the risk of customers not paying us (since we lease devices over an extended period of 12/24/36 months). This might stem from credit risk (e.g. the customer has historically had issues making payments on time) or fraud risk (e.g. a fraudster is making use of someone else’s details to apply). The role of the approval rate team is to ensure that we can approve as many customers as possible while keeping customer non-payment under control.</div><div><br></div><div><b><span style="font-size:18px;">How we do this</span></b></div><div><b>Analysis</b> - We look at the data that’s available on customer behaviour, attributes, etc. and develop new strategies on how we can identify the good paying customers</div><div>Implementation / Execution - We work with various departments at Raylo (e.g. operations, product/engineering, marketing) as well as external companies to make those strategies happen. This could involve building out a new customer journey, improving an existing one, integrating new data sources, etc.</div><div><br></div><div><b>Future projects / Main areas of focus</b></div><div>Currently looking at integrating with a second credit bureau, which would introduce a new source of data to identify good customers</div><div>Also looking into creating new journeys or integrating new data sources relating to fraud (e.g. verifying ID documentation, new data sources to verify the bank name, etc.)</div><div><br></div><div><b>Key stakeholders</b></div><div>- Product/Engineering</div><div>- Operations</div><div>- Marketing</div><div>- Finance</div><div><br></div><div><b><span style="font-size:18px;">You’ll be great at</span></b></div><div><b>Analysis:</b></div><div>Tools required - SQL, Looker, Excel/Sheets, and other languages e.g. Python or R are a plus but not necessary</div><div>Experience being given an open-ended data problem, exploring the data, deriving insight, and providing recommendations</div><div><br></div><div><b>Implementation / Execution:</b></div><div>Experience with explaining their results/recommendations to different stakeholders (including those that might be less technical are they able to tell the story based on what the stakeholder needs)</div><div>Getting stakeholders on board / aligned to get a change executed</div><div>Managing the execution of the change, e.g. handling timelines, monitoring, etc. is useful but can be dependent on how the company is structured, so it’s a plus but not necessary</div><div><br></div><div><b>Qualifications:</b></div><div>(Bonuses/ Not essential)</div><div>- Financial services background, especially credit/lending</div><div>- Start-ups/scale-ups, especially fast-growing ones</div><div>- Consumer-facing company (i.e. the candidate is used to dealing with large volumes of consumer data, rather than in a B2B business where data volumes are smaller/different)</div><div>- STEM degrees</div><div><br></div><div><b><span style="font-size:18px;">You’ll succeed with…</span></b></div><div>- A proven track record with 1-3 years of experience in analytics and/or strategy roles</div><div>- You enjoy thinking through complex problems and possess influencing skills to align key stakeholders</div><div>- Experience with SQL and data analysis</div><div>- Experience using BI tools (Looker, Tableau, Power BI)</div><div>- Startup/ScaleUp or Fintech experience</div><div><br></div><br><br><br><div>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.</div><div><br></div><div><b style="font-size:18px;">Opportunities &amp; Benefits</b></div><div><b>Your chance to make an impact.</b><span style="font-size:12pt;"> </span>We want what you can bring - what makes you special. Through trust, collaboration and autonomy, you can have an impact right from the off. </div><div><br></div><div><b>Be part of the change. </b>You will join one of the fastest growing fintech startups, backed by Octopus Ventures, Macquarie and Telefónica, where you can change how people get their tech for good</div><div><br></div><div><b>Other benefits include; </b></div><div>	•   33 days holiday per year (25 days, + an extra 8 days to choose the days that mean most to you)</div><div>	•   Stock options - get a real stake in Raylo’s growth</div><div>	•   Hybrid working environment (London Bridge office)</div><div>	•   Enhanced maternity and paternity leave </div><div>	•   Workplace nursery scheme </div><div>	•   Perkbox membership - hundreds of perks and discounts to support physical, financial and mental wellbeing</div><div>	•   To do your best work, we’ll give you a laptop and a Raylo phone</div><div>	•   Learning budget - we care deeply about investing in your long-term career growth and potential</div><div>	•	 Free sustainable breakfast and snacks, every day you’re in the office</div><div>	•   Fun (yet optional) Raylo quarterly socials, plus summer and Christmas parties</div><div><br></div><div><b style="font-size:18px;">Diversity Statement</b></div><div>Raylo is an equal opportunities employer and we are committed to building a diverse and inclusive work environment where we learn from each other. We welcome people of diverse backgrounds, experiences, abilities and perspectives and believe it adds value to our organisation. Working at Raylo is super fun and we’d love to tell you more about it.</div>

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