Credit Analyst- Graduate (Dublin)

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 moves fast. We fund eCommerce businesses at the speed they need to grow - and to do that responsibly, we need people who can look beyond a spreadsheet and see the business behind the numbers. This role exists because great funding decisions aren't just about data - they're about judgement. We need someone who can develop both.

What You'll Actually Do

• Dig into the story behind the data - analyze the financial and non-financial performance of new and existing customers to understand what's really driving their business

• Learn to assess and quantify risk - get under the hood of eCommerce businesses and figure out how Wayflyer can fund their growth without taking on unnecessary exposure

• Get on the phone - join regular customer calls to understand their business models, funding needs, and where they're headed

• Work with management to build and test new processes and products, not just inherit them

• Support sales and operations by understanding how they win, and what they need to keep customer relationships healthy

• Get across our loan portfolio - understand how we manage it, what good looks like, and how we make the call to exit a risky relationship

• Connect dots across the business - this role touches a lot of teams, and we expect you to use that access

What This Role Could Turn Into

Analysts at Wayflyer don't stay analysts for long if they don't want to. This function sits at the intersection of finance, risk, and commercial strategy - people who come in here have gone on to lead underwriting decisions, manage portfolio strategy, and step into senior roles across the business. The trajectory is real, and it moves fast.

Who Thrives Here

You're the kind of person who reads a set of accounts and immediately wants to know what's behind them. You ask questions most people wouldn't think to ask. You're comfortable presenting a recommendation in a room where people will push back - and you welcome that. You're not looking for a narrow lane. You want to understand the whole picture.

You probably haven't done this exact job before. That's fine. We're hiring for how you think, not what you've already done.

We Hire for Range

• You've completed (or are close to completing) an undergraduate degree - Business, Finance, Economics, Engineering, Law, or Computer Science all work here

• You have a strong academic record, and you can speak to why

• You're genuinely curious about credit, risk, and what makes an eCommerce business tick

• You're comfortable leading a conversation - in a meeting, on a call, in a presentation

Bonus points if you can read a set of management accounts, work with Excel or SQL, or are planning to pursue a professional finance qualification. None of these are dealbreakers - they're just a head start.

Location and working policy

📍Dublin HQ, hybrid (3-4 days per week in the office)

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.

💡 How We Handle Your Personal Data

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.