---
title: 'Senior Credit Risk Data Scientist at Wayflyer'
canonical: 'https://feeny.ai/job/senior-credit-risk-data-scientist-wayflyer-london-k8ng20mmsz44'
type: 'job'
last_seen: '2026-09-12'
---

# Senior Credit Risk Data Scientist at Wayflyer

- **Company:** Wayflyer
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-03-13
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.ashbyhq.com/wayflyer/384acf8f-8762-4351-aa31-d957e92ce71e

## Job description

## About Wayflyer

Today's small businesses need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer. Our technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan. You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The challenge Wayflyer has deployed over $6bn in funding and we're not slowing down. Every credit decision we make is a bet on a business's real trajectory, and the models behind those bets need to get sharper and faster than they were yesterday. We're building the next generation of commercial credit, with AI running through every layer of the stack.

## What you'll actually do

You'll own the full lifecycle of our credit risk models. We treat Machine Learning as a branch of software engineering here, so you'll write production-grade code, not just notebooks.

- Lead the end-to-end build of credit risk models, treating ML as software engineering so everything you ship is fast, reproducible and robust.
- Design modelling frameworks for decisioning, pricing and fraud that move company-wide P&L, not just a dashboard metric.
- Build credit policies and lending strategies that expand our addressable market safely, pushing conversion and profitability up together.

Scientific integrity is non-negotiable. Model improvements need to be statistically significant, with no data leakage and no bias hiding in the numbers. You'll turn technical findings into business trade-offs leadership can act on, mapping ROC AUC straight to revenue and loss, and you'll set the bar for code quality: reviewing, mentoring, and contributing to the libraries the whole team relies on. You'll stand out if you've worked on highly automated lending, price sensitivity modelling, or Customer Lifetime Value.

What this role could turn into Senior Data Scientists here tend to grow into Staff or leadership roles with broader influence over risk strategy and team direction. We're building a quantitative risk function that genuinely drives P&L. The people who shape it early will have significant influence over where it goes.

Who thrives here

- Gets restless when a model is "good enough" but not great
- 4+ years building and maintaining production-grade ML systems
- Cares as much about code quality as the statistics behind it
- Strong grip on predictive modeling and credit risk concepts (IV, ROC AUC, SHAP, PD, EAD, LGD, EL)
- As comfortable in a modern monorepo (Python, SQL, Snowflake, dbt, and the rest of the stack) as a software engineer would be
- Would rather walk a commercial stakeholder through a ROC AUC curve and make them care about the revenue impact than hide behind jargon
- Uses AI as an accelerant, not a crutch
- Comfortable owning outcomes, not just tickets

We hire for range You'll need real depth on credit risk concepts (PD, EAD, LGD), a solid grasp of modelling techniques like IV and SHAP, and comfort working across Snowflake, dbt, ZenML, Dagster and Weights & Biases. Experience in automated lending, price sensitivity modelling or CLV is a strong plus.

Location and working policy 📍Dublin HQ or London, hybrid.

The good stuff 25 days off, plus public holidays. Private healthcare, life insurance, and a pension. Equity, because you should own a piece of what you're building. Generous parental leave for primary and secondary caregivers. 60 days a year to work abroad from wherever you want.

By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. Such processing is based on the need to take steps prior to entering into a potential employment agreement. To learn more about how we handle your personal data, you can contact our privacy team at privacy@wayflyer.com or review our privacy notice at https://wayflyer.com/privacy-notice.

## About Wayflyer

## Company Overview
- **One-liner**: Wayflyer is a financial technology company that provides revenue-based financing and business intelligence to small and medium-sized consumer brands, enabling them to access capital in as little as 24 hours.
- **Entity Type**: Private (Venture-backed; Series C)
- **Headquarters**: Dublin, Ireland
- **Founded**: 2019
- **Founders**: Aidan Corbett

## Core Business
- **Primary Industry**: Fintech / Revenue-Based Lending
- **Target Customers**: B2B; specifically D2C (direct-to-consumer) e-commerce brands, Amazon sellers, and wholesale/omnichannel small businesses.
- **Mission Statement**: To help the world’s best small businesses reach their full growth potential.

## Products & Services
- **Revenue-Based Financing (Core Product)**: Provides unsecured, non-dilutive working capital. Repayment is tied to a percentage of daily revenue, minimizing risk for the borrower. No personal guarantees or equity stake required.
- **Wayflyer Insights (Business Intelligence)**: A proprietary analytics platform that connects to a merchant’s sales channels (e.g., Shopify, Amazon) to assess growth potential in minutes and provide actionable data.
- **Wholesale Financing**: A product launched in 2024 to extend financing to offline and omnichannel brands, covering inventory purchases and supply chain needs.
- **Hosted Capital (Partner Platform)**: A white-label solution that allows other platforms (e.g., e-commerce marketplaces, software providers) to embed Wayflyer’s financing directly into their own customer experience.

## Market Standing
- **Valuation**: Not publicly disclosed (most recent primary round was a Series B in 2022 at a reported ~$1.6B valuation, though market conditions may have shifted).
- **Key Metric (Funding)**: **$2.474B** total raised (debt + equity) [cbinsights.com](https://www.cbinsights.com/company/wayflyer).
- **Key Metric (Scale)**: Over **$7 billion** deployed to more than **7,000 businesses** globally [wayflyer.com](https://wayflyer.com/).
- **Key Metric (Team)**: ~300 employees across 6 offices.
- **Notable Investors**: Left Lane Capital, DST Global, QED Investors, Stripe, and others.
- **Growth Signals**: Expanded from pure e-commerce into wholesale/omnichannel (2024); launched Hosted Capital platform (2025); opened a new U.S. hub in Charlotte, NC (2025); deployed $5B+ to 5,000+ businesses by its 5th anniversary.

## Competitive Advantages
- **Speed & Automation**: Proprietary technology assesses risk in minutes and can fund in as little as 12 minutes from application to offer (average time), with cash in the bank within 24 hours.
- **Data Moat**: Direct integrations with e-commerce platforms and payment gateways give Wayflyer real-time visibility into a merchant’s performance, enabling lower-risk underwriting and a better customer experience.
- **No Personal Guarantee / No Equity**: Differentiates from traditional lenders and many fintech competitors by not requiring founders to personally guarantee the loan or give up equity.
- **Global Scale**: Operating in 11 countries with local offices in 6 major cities (Dublin, London, New York, Sydney, Berlin, Charlotte).

## Strategic Focus
- **Expansion Beyond eCommerce**: Broadening its product suite and customer base to serve small businesses across all major industries, including physical retail and wholesale.
- **Platform Partnerships**: Growing the "Hosted Capital" model to embed financing into other software ecosystems, turning Wayflyer into a backend infrastructure provider.
- **Geographic Growth**: Deepening presence in the U.S. (new Charlotte hub) and expanding further into Europe and Australia.
- **Product Diversification**: Building out the analytics and insights layer to become more than just a lender, positioning as a full financial operating system for SMBs.

## Why Work Here
- **Culture & Values**: Emphasizes "high agency" — a bias for action and extreme ownership. Core values include "Speed AND quality," "Overpromise AND deliver," "All-in, all together," "Optimistic by default," and "Kind over nice." [wayflyer.com/careers](https://wayflyer.com/careers)
- **Career Growth**: "Uncapped career growth" — trajectory is defined by impact, not tenure. They provide high-leverage opportunities and autonomy.
- **Work Model**: Hybrid and remote roles available, plus flexibility to work from anywhere in the world from time to time. Offices in Dublin, London, New York, Sydney, Berlin, and Charlotte.
- **Compensation & Benefits**: Competitive salary + equity stake; 25 holidays per year plus public holidays; health insurance; pension matching; parental policies; personal development fund; flexible vacation.
- **Team & Environment**: 300+ teammates globally. High employee Net Promoter Score (NPS) and a 98% customer recommendation rate. Annual global offsite ("WayCon") to align strategy and build connections.
- **Engineering Culture**: Technology-focused company with a strong emphasis on data and automation; roles across engineering, data, product, and design.

## Sources
1. [wayflyer.com](https://wayflyer.com/) (Official website)
2. [wayflyer.com/careers](https://wayflyer.com/careers) (Careers page)
3. [wayflyer.com/about-us](https://wayflyer.com/about-us) (About page)
4. [cbinsights.com](https://www.cbinsights.com/company/wayflyer) (CB Insights company profile)
5. [jobs.ashbyhq.com/wayflyer](https://jobs.ashbyhq.com/wayflyer) (Active job listings)

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