About Wayflyer

Our mission is to give the world access to the best products by empowering great brands to reach their growth potential. Join us!

Wayflyer is revolutionising eCommerce by levelling the playing field for founders across the world. Our first product, the Merchant Cash Advance, solves a major pain point for brands: access to short-term finance to fund inventory and marketing spend.

Wayflyer was named Ireland's fastest-growing technology company in Deloitte’s 2024 Technology Fast 50 Awards and since launching in April 2020, we’ve deployed over $3bn in funding to 1,000’s of eCommerce founders across 10 countries.

We’ve helped companies like Powercut, Gym+Coffee, Velo Coffee and Current Body take their businesses to the next level. Check out this video from Ben Yahalom, another one of our brilliant customers, giving a great explanation of what we do and how we helped True Classics go from strength to strength.

We’re a fast-growing, venture-backed startup that serves a critical need for eCommerce entrepreneurs. You'll be joining an ambitious, collaborative team that's working on a huge opportunity.

Teams at Wayflyer are truly cross-functional. Regardless of your role at Wayflyer, you'll work with a variety of different disciplines and teams from around the world on a multitude of challenging projects and game-changing products to revolutionise the eCommerce landscape.

What you’ll do

• Lead the identification and assessment of risks associated with operating an eCommerce business, and build on Wayflyer’s criteria for evaluating funding opportunities in this space

• Serve as the decision-making authority for credit decisions in Wholesale/Retail lending, ensuring accurate and consistent evaluation of creditworthiness

• Manage and mentor a team of analysts, guiding their professional development and ensuring high-quality analysis that supports sound credit decisions

• Drive the evolution of underwriting processes for Wholesale/Retail lending, spearheading strategic improvements and innovation

• Lead the assessment, structuring, and approval of new loan opportunities, collaborating closely with sales and operations teams to onboard new clients and nurture long-term relationships

• Oversee the management of the existing loan portfolio, developing advanced portfolio management strategies and proactively identifying potential high-risk scenarios

• Shape and execute product and pricing strategies that align with business objectives and market conditions

• Evaluate the impact of data and engineering projects on credit risk within Wholesale/Retail lending and guide strategic adjustments as needed.

• Lead regular calls with our customers to enhance our understanding of their businesses and funding requirements

• Manage delinquent loans and collections, navigating revised payment structures and/or legal strategies

• Collaborate closely with senior leadership to design and implement new processes, products, and strategic initiatives

Knowledge, skills and experience:

• 7+ years relevant work experience - ideally in one (or multiple) of the following:

  • an investment/lending role at a bank or fund focusing on retail/wholesale companies

  • a large accounting/auditing firm working with retail/wholesale clients

  • in the finance team of a retail/wholesale business

• Ability to analyse and understand financial reporting (e.g. management accounts / financial models) presented by companies

• Experience underwriting or auditing asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, or other loan products preferred, not required

• CPA/CFA qualification preferred, not required

• Being comfortable leading regular internal and external (client) meetings and presenting findings and recommendations is a must

• First-principle thinker skilled at simplifying complex organisational issues

• Commercial in nature, quantitatively inclined and can juggle risk mitigation with growth

• Previous experience collaborating with cross-functional teams across an organisation

• You are experienced in Excel, Word, PowerPoint; SQL experience is a plus but not a requirement

• You’re articulate, a self-starter, and a detail oriented, go-getter

Salary range: $140k - $150k

What is important to point out is that you fit most or all of the above-mentioned criteria and can point to your real experience doing these things. You’ve probably done it at companies of different shapes, sizes and industries. Given what we do, experience in financial services, fintech and business-to-business organisations is particularly interesting to us.

On top of that, you’re amazing at prioritisation. You make sure you’re not spread too thin while also giving teams the support they need. You spend your time on the things that make a positive difference. People get why you’ve chosen to say ‘yes’, ‘no’, or ‘not yet’, and are ok with it.

What you’re like as a person and how you treat people is a big deal for us. People love working with you. You’re helpful and generous with your time and knowledge. People love helping you back. People know where they stand with you.

You’re always looking to learn and grow, on a personal and professional level. And you’re always looking to help others learn and grow by sharing your own knowledge and experience.

You know why diversity, equality, inclusion and belonging matters, and speak up when we can do better.

What happens next

We’ll review every application we receive. If we’re interested in taking your application further, we will be in touch to find out more about you and what you’re looking for.

What perks and benefits do we offer?

• Work remotely abroad for up to 60 days a year

• Employee assistance programme

• Private healthcare, life and critical illness cover

• Pension plan

• Generous parental and adoptive leave policies

• Equity scheme - so you can share in our success!