Senior Credit Analyst, New Verticals

Wayflyer

Analyze financial statements and provide insights for lending decisions at Wayflyer. Collaborate cross-functionally to refine lending frameworks and assess risks for diverse business types.

Posted 5/21/2026full-timeCharlotte • North Carolina • 🇺🇸 United StatesSeniorWebsite

About the role

Key responsibilities & impact

Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability
Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events
Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow.
Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries.
Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally

Requirements

What you’ll need

3+ years of relevant experience in one or more of the following:
Commercial lending, underwriting, or credit risk within a bank, fintech, or fund
Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)
Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)
Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders.
CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)
Exposure working with global teams
Experience in data-driven underwriting or fintech environments.

Benefits

Comp & perks

Recharge with 25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our *Wellbeing @ Wayflyer* ERG.
Stay covered with private healthcare, life insurance, and critical illness cover.
We provide a generous parental and adoptive leave program for both Primary and Secondary caregivers, ensuring you have the dedicated, fully paid time you need to focus on your family.
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit riskunderwritingfinancial analysisportfolio managementstructured creditcashflow analysisP&L analysisbalance sheet analysisdata-driven underwritinglending frameworks

Soft Skills

leadershipcommunicationcollaborationpresentation skillsstakeholder managementanalytical thinkingproblem-solvingcustomer relationship managementcross-functional teamworkrisk assessment

Certifications

CPACFA