What We've BuiltRaylo 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, we’re profitable, growing fast, with over a quarter of a million subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews.For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you’re done. 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, Raylo.com and the customer app — converting more DTC customers, reaching subscription-first demand, and driving repeat upgrades that compound customer lifetime value.The impact of our circular model is big. We cut emissions per device by around 50% compared to buy-and-discard. We’re B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

How We WorkAI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade.Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.At Raylo, AI is woven into how we work every day. We don’t ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren’t possible a year ago. Processes that used to be good enough are being rebuilt. 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?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 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.

Your TeamYou'll join Raylo's Risk Operations team, leading and growing the function responsible for fraud investigations, insurance claims oversight, and credit/onboarding referrals. You'll have two direct reports, and will work closely with Risk Operations leadership, wider Operations leadership and Risk Strategy internally, and with CRA contacts and fraud data partners externally. This is a senior, hands-on leadership role — we're deliberately shifting the profile for this hire toward genuine fraud investigations experience and proven people leadership, rather than a KYC/underwriting-heavy background. The team is heading into a period of real change — an org redesign, a move to a 24/7 rota, ongoing evolution of Raylo's fraud detection strategy, and early groundwork for a US market launch — and you'll help shape all of it.

• What You’ll DoManage customer and business application referrals – Use fraud, credit, and KYC platforms to deliver objective high-quality decisions in an efficient and customer-friendly manner.
• Lead fraud investigations – Conduct in-depth investigations, gathering and analysing evidence to ensure compliance, mitigate risks, and uphold fairness in decision-making.
• Optimise risk workflows – Identify inefficiencies in existing processes and implement improvements to enhance fraud prevention and approval rate.
• Monitor risk trends and emerging fraud tactics – Stay ahead of industry fraud threats, identifying trends and vulnerabilities to refine risk policies.
• Develop fraud detection strategies – Work cross-functionally to design and refine fraud prevention techniques, leveraging automation and AI-driven insights where applicable.
• Mentor and develop junior team members – Support skill development and knowledge sharing within the team to foster continuous learning and improvement.
• Ensure flexibility in Risk Operations – Some evening or weekend work may be required to maintain robust fraud detection and underwriting processes.
• 
  

What We've BuiltRaylo 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, we’re profitable, growing fast, with over a quarter of a million subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews.For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you’re done. 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, Raylo.com and the customer app — converting more DTC customers, reaching subscription-first demand, and driving repeat upgrades that compound customer lifetime value.The impact of our circular model is big. We cut emissions per device by around 50% compared to buy-and-discard. We’re B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation’s Future Fifty.

How We WorkAI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade.Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale.At Raylo, AI is woven into how we work every day. We don’t ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren’t possible a year ago. Processes that used to be good enough are being rebuilt. 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?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 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.

Your TeamYou'll join Raylo's Risk Operations team, leading and growing the function responsible for fraud investigations, insurance claims oversight, and credit/onboarding referrals. You'll have two direct reports, and will work closely with Risk Operations leadership, wider Operations leadership and Risk Strategy internally, and with CRA contacts and fraud data partners externally. This is a senior, hands-on leadership role — we're deliberately shifting the profile for this hire toward genuine fraud investigations experience and proven people leadership, rather than a KYC/underwriting-heavy background. The team is heading into a period of real change — an org redesign, a move to a 24/7 rota, ongoing evolution of Raylo's fraud detection strategy, and early groundwork for a US market launch — and you'll help shape all of it.

• What You’ll DoManage customer and business application referrals – Use fraud, credit, and KYC platforms to deliver objective high-quality decisions in an efficient and customer-friendly manner.
• Lead fraud investigations – Conduct in-depth investigations, gathering and analysing evidence to ensure compliance, mitigate risks, and uphold fairness in decision-making.
• Optimise risk workflows – Identify inefficiencies in existing processes and implement improvements to enhance fraud prevention and approval rate.
• Monitor risk trends and emerging fraud tactics – Stay ahead of industry fraud threats, identifying trends and vulnerabilities to refine risk policies.
• Develop fraud detection strategies – Work cross-functionally to design and refine fraud prevention techniques, leveraging automation and AI-driven insights where applicable.
• Mentor and develop junior team members – Support skill development and knowledge sharing within the team to foster continuous learning and improvement.
• Ensure flexibility in Risk Operations – Some evening or weekend work may be required to maintain robust fraud detection and underwriting processes.
•