Our mission is to give the world access to the best products by empowering great businesses to reach their growth potential.
Today's SMBs 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 unique 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.
Since launching in April 2020, we've deployed over $5bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan. We've become a trusted financing partner for some amazing brands, like True Classic, Little Words Project and Kekoa Foods.
Teams at Wayflyer are truly cross-functional. You'll be collaborating with ambitious colleagues from around the world - all striving to deliver on a huge opportunity. Check out this video to hear directly from them.
At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results. To learn more, please visit our website.
At Wayflyer, our Credit Risk & Underwriting team builds the tools and systems that power our ability to make fast, high-quality funding decisions. As Senior Product Manager, Credit Risk & Underwriting, you’ll lead the product vision and strategy for how we assess customer risk ensuring Wayflyer deploys capital confidently and efficiently.
This is a mission-critical area. Our underwriting tools underpin every decision we make, and your work will directly influence how we evaluate eCommerce businesses, reduce friction in the funding experience, and scale underwriting without scaling cost.
You’ll work closely with our teams across Data, Credit, and Compliance teams, with our Underwriting team as your primary customer. You’ll be part of a talented, cross-functional product trio alongside engineers and designers from Amazon, Shopify, Google, and more.
You’ll lead the evolution of our internal underwriting platform and broader risk tooling, working on the systems that have powered billions in funding for thousands of merchants globally. This role is about creating leverage: building seamless internal workflows, surfacing the right data at the right time, and improving decision quality and speed across the underwriting process.
This isn’t just about backend infrastructure - it’s about turning underwriting into a competitive advantage. You’ll partner with the Funding Experience team to make risk insights more transparent to customers and reduce unnecessary drop-off and churn.
This is an ideal role for someone who thrives on solving complex, high-stakes problems behind the scenes, and who enjoys building for internal teams with the same care as customer-facing products.
Define and own the vision, strategy, and roadmap for our risk and underwriting products.
Work closely with underwriting stakeholders to deeply understand pain points and identify opportunities to streamline workflows, improve decision accuracy, and reduce time-to-offer.
Partner with your product trio to run structured discovery, validate hypotheses, and make evidence-based product decisions.
Build for scalability ensuring risk tooling can support new markets, product types, and underwriting models over time.
Collaborate across teams, especially Data, Commercial, and Compliance, to ensure alignment across the full funding journey.
Track product performance, gather user feedback, and continuously iterate on solutions. You know that product work doesn’t stop at launch.
Drive internal transparency around priorities and trade-offs, communicating clearly with stakeholders and ensuring alignment at every stage.
Contribute to the growth of Wayflyer’s product culture, helping to shape how we build, collaborate, and learn as a team.
Proven experience as a senior-level product manager in a fast-paced, high-growth startup (Series A–C preferred).
Experience building risk, credit, or underwriting products—ideally in a fintech or B2B2C environment.
Experience building data analytics solutions, data visualizations, or analytical tools/components
A track record of creating impact through internal tooling and complex systems work.
A bias for action and an entrepreneurial mindset - you don’t wait for permission to make things better.
Strong discovery skills and product intuition, with the ability to navigate ambiguity and dig deep into problem spaces.
Excellent judgment - you know when to move fast and when to invest in foundational thinking.
An empathetic and pragmatic approach to internal users, treating them as you would any customer.
Strong communication and influencing skills - you bring people along with clarity and purpose.
A passion for quality and continuous improvement. You challenge the status quo and help others do the same.
You can expect to hear from a member of our Talent Acquisition team soon. If we believe you're a good fit, the first step will be a conversation with a recruiter who will guide you through the next stages of the process. The full interview process, which includes meeting the Hiring Manager and completing a case study or interview loop, typically takes approximately four to six weeks.
🏖️The Perks of Being at Wayflyer
🌴 Time Off That Matters
Recharge with 25 days of paid annual leave, plus public holidays.
🧘 Your Wellbeing
Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.
🫀 Comprehensive Health & Protection
Stay covered with private healthcare, life insurance, and critical illness cover.
👵 Secure Your Future with Our Pension Plan
Our pension plan helps you build a strong foundation for tomorrow, starting today.
🍼 Family-First Policies
We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.
💰 Share in Our Success
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
🌴 Work From Abroad!
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.
📍Global Offices and Working Policy
🇮🇪 Dublin, Our Buzzing HQ
Our headquarters operates a hybrid model. The number of in-office days depends on your team, but the majority of teams and our SLT are typically in 3-4 days per week, giving you valuable exposure to senior leadership.
🇬🇧 London, One Big Family
Home to around 30 employees, our brand-new London office also runs on a hybrid model. You’ll often find our CEO working alongside the team with regular visits.
🇦🇺 Sydney, Small but Mighty
Our close-knit Sydney office has around 20 employees and follows a flexible hybrid model, fostering strong collaboration.
🇺🇸 Charlotte, our new US hub
We’ve opened our doors in the heart of Uptown Charlotte, with a brand new space designed to foster in-person collaboration, while supporting hybrid flexibility.
🌍 Remote, Across the US & Europe
The majority of our Tech org works remotely across the UK and Europe, coming together throughout the year for off-sites, company kick off and technical kick off. We also have a growing number of remote team members across the US.
💡 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 [email protected] or review our privacy notice at https://wayflyer.com/privacy-notice.
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