Story Terrace Inc.
Why We Exist At Raylo, we're on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if it's simple and cost-effective - this is where we come in. We're building a category-defining global subscription infrastructure, making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating - we've proven the demand for a smarter, more sustainable way to access technology. Raylo is a fast-growing and profitable company, backed by global investors including Macquarie, NatWest, and Channel 4 Ventures. We are proud to have been selected for Endeavor's network in 2024, underscoring our role as a high impact, mission driven business with global ambitions. And in 2025 we were recognised as part of Tech Nation's UK's Future Fifty programme. We have been B Corp certified since 2021 and were recently acknowledged by S&P Global for the positive impact of our circular business model via a Green Financing with NatWest. At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less. Our Core Values Be deeply curious - We thrive on innovation through diverse approaches, views, and people. Walk in your customer's shoes - To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want. Focus and execute - We have a big vision, but we believe in nailing the most important problems first. Be gritty - Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we're a team through thick and thin. What to Expect We're looking for an ambitious Senior Strategy Manager to join Raylo and take a leading role in shaping our collections and recoveries strategy. You'll own the strategic development of one of the most important levers in Raylo's unit economics, working across collections journeys, recovery operations, and partner strategy. Using data driven insights, you'll identify how we can improve performance, scale sustainably, and support Raylo's rapid growth across new products, verticals and markets. Collections and Recoveries sit at the heart of Raylo's proposition: enabling customers to access technology in a more sustainable, circular way while maintaining strong economics as we scale. You'll bring deep analytical thinking and strong commercial judgement to design and evolve strategies that balance customer experience, operational effectiveness and financial outcomes. Working closely with operations, product, finance and external partners, you'll help translate insight into action and build strategies that are robust, scalable and innovative. Raylo is a category defining business with big ambitions in the UK and internationally. In this role, you'll collaborate closely with senior leaders across the business, influencing decisions that have a material impact on growth, profitability and expansion into new markets. This is a rare opportunity for a strategic, hands on leader to shape a core pillar of Raylo's success and play a meaningful role in the next phase of our journey. What You'll Do Reporting to the Director of Strategy & Analytics - you'll work closely with cross functional partners to define and scale Raylo's global collections and recoveries strategy across products, verticals and markets. You'll use your technical and analytical expertise to champion data informed decisions - that materially improve performance, balancing customer outcomes with strong unit economics as Raylo continues to grow. You'll collaborate closely with internal teams across operations, product, finance and engineering, as well as external partners - to turn insight into action and deliver meaningful, measurable change. You'll bring strong commercial judgement - confidently navigating competing priorities and stakeholders to design strategies that are robust, scalable and aligned with Raylo's broader objectives. Your work will play a direct role in enabling Raylo's sustainable, circular approach - to consumer electronics, ensuring that growth is responsible, efficient and built to last. You'll Succeed With A proven track record with 5+ years of experience - in analytics or data focused collections and recovery strategy roles. A 2:1 or higher from a top university - preferably in a STEM or quantitative discipline. Using your technical skills (SQL, Python) - to get into the details of our collections and recovery strategies, leveraging internal and external datasets to deliver actionable insight into critical business functions. The ability to also step back from the detail of the data and think strategically - while delivering as part of a larger team. Collaborating in a fast paced environment - across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data driven decision making and educate others. Taking responsibility and ownership - for the work in the entire area - if you're not getting it done, then no one is. Opportunities & Benefits We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees. Share in Raylo's success - Stock options for all employees Get the latest tech - Exclusive Raylo device lease for employees Hybrid working model - (London) 3 set days in our London Bridge office: Monday, Wednesday & Thursday 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you Invest in your growth - L&D budget to support the skills you value Fast track your career - Two performance reviews a year Family first policies - Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Save big on childcare - Workplace nursery scheme for major cost savings Perks on perks - Perkbox membership with discounts & wellbeing benefits Good times, guaranteed - Optional quarterly socials, plus summer & Christmas parties Hiring Process What's next? Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role. We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible. If there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know. Stage 1: Talent Screening Stage 2: Hiring Manager Interview + SQL Test Stage 3: On site Interview Stage 4: Values based Interview & Co founder Final As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process. Diversity & Inclusion at Raylo At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.
Why We Exist At Raylo, we're on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if it's simple and cost-effective - this is where we come in. We're building a category-defining global subscription infrastructure, making premium tech accessible and affordable for both consumers and businesses. With over 180,000 subscribers in the UK and growth accelerating - we've proven the demand for a smarter, more sustainable way to access technology. Raylo is a fast-growing and profitable company, backed by global investors including Macquarie, NatWest, and Channel 4 Ventures. We are proud to have been selected for Endeavor's network in 2024, underscoring our role as a high impact, mission driven business with global ambitions. And in 2025 we were recognised as part of Tech Nation's UK's Future Fifty programme. We have been B Corp certified since 2021 and were recently acknowledged by S&P Global for the positive impact of our circular business model via a Green Financing with NatWest. At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less. Our Core Values Be deeply curious - We thrive on innovation through diverse approaches, views, and people. Walk in your customer's shoes - To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want. Focus and execute - We have a big vision, but we believe in nailing the most important problems first. Be gritty - Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we're a team through thick and thin. What to Expect We're looking for an ambitious Senior Strategy Manager to join Raylo and take a leading role in shaping our collections and recoveries strategy. You'll own the strategic development of one of the most important levers in Raylo's unit economics, working across collections journeys, recovery operations, and partner strategy. Using data driven insights, you'll identify how we can improve performance, scale sustainably, and support Raylo's rapid growth across new products, verticals and markets. Collections and Recoveries sit at the heart of Raylo's proposition: enabling customers to access technology in a more sustainable, circular way while maintaining strong economics as we scale. You'll bring deep analytical thinking and strong commercial judgement to design and evolve strategies that balance customer experience, operational effectiveness and financial outcomes. Working closely with operations, product, finance and external partners, you'll help translate insight into action and build strategies that are robust, scalable and innovative. Raylo is a category defining business with big ambitions in the UK and internationally. In this role, you'll collaborate closely with senior leaders across the business, influencing decisions that have a material impact on growth, profitability and expansion into new markets. This is a rare opportunity for a strategic, hands on leader to shape a core pillar of Raylo's success and play a meaningful role in the next phase of our journey. What You'll Do Reporting to the Director of Strategy & Analytics - you'll work closely with cross functional partners to define and scale Raylo's global collections and recoveries strategy across products, verticals and markets. You'll use your technical and analytical expertise to champion data informed decisions - that materially improve performance, balancing customer outcomes with strong unit economics as Raylo continues to grow. You'll collaborate closely with internal teams across operations, product, finance and engineering, as well as external partners - to turn insight into action and deliver meaningful, measurable change. You'll bring strong commercial judgement - confidently navigating competing priorities and stakeholders to design strategies that are robust, scalable and aligned with Raylo's broader objectives. Your work will play a direct role in enabling Raylo's sustainable, circular approach - to consumer electronics, ensuring that growth is responsible, efficient and built to last. You'll Succeed With A proven track record with 5+ years of experience - in analytics or data focused collections and recovery strategy roles. A 2:1 or higher from a top university - preferably in a STEM or quantitative discipline. Using your technical skills (SQL, Python) - to get into the details of our collections and recovery strategies, leveraging internal and external datasets to deliver actionable insight into critical business functions. The ability to also step back from the detail of the data and think strategically - while delivering as part of a larger team. Collaborating in a fast paced environment - across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data driven decision making and educate others. Taking responsibility and ownership - for the work in the entire area - if you're not getting it done, then no one is. Opportunities & Benefits We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees. Share in Raylo's success - Stock options for all employees Get the latest tech - Exclusive Raylo device lease for employees Hybrid working model - (London) 3 set days in our London Bridge office: Monday, Wednesday & Thursday 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you Invest in your growth - L&D budget to support the skills you value Fast track your career - Two performance reviews a year Family first policies - Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Save big on childcare - Workplace nursery scheme for major cost savings Perks on perks - Perkbox membership with discounts & wellbeing benefits Good times, guaranteed - Optional quarterly socials, plus summer & Christmas parties Hiring Process What's next? Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role. We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible. If there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know. Stage 1: Talent Screening Stage 2: Hiring Manager Interview + SQL Test Stage 3: On site Interview Stage 4: Values based Interview & Co founder Final As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process. Diversity & Inclusion at Raylo At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.
Story Terrace Inc.
What to Expect We're looking for an ambitious Head of Commercial Analytics to join us here at Raylo. As the business' lead on pricing, you'll own pricing for all of our customer propositions, be a key part of future partnerships and drive learning and innovation across these areas. Using data driven insights, you'll analyse how we can better understand how we can use pricing as a lever for growth and use this knowledge to help sustainably scale the business. Our Commercial and Pricing Strategy is core to Raylo's proposition of enabling consumers, businesses and OEMs to access tech in a more sustainable, circular consumption model. You'll use your deep analytical and technical expertise to play a key role in accomplishing this mission, through pricing customer facing propositions and working with our commercial team on new partnerships. This is a truly unique opportunity for an aspiring data and strategy analytics leader to influence the fundamental operations in a category defining business. In 2026, Raylo stands out with its groundbreaking approach to retail electronics and has massive ambitions for growth in the UK and internationally. You'll collaborate closely with the leadership team and co founders, C Suite, and senior business leaders. Your ideas and leadership will play a critical role in shaping the future of a key strategic advantage for Raylo. What You'll Do Reporting to the VP Strategy and Analytics, you'll work closely with other internal partners to define how we build a global commercial analytics & pricing function. Your technical and analytical skills will mean that you'll champion data informed decisions that drive sustainable growth for Raylo, and in time, build a high performing team that aligns with our mission opportunities. You'll be energised by collaborating with internal and external partners within commercial, finance and engineering to deliver meaningful change based on the insights that your data drives. You'll exhibit strong judgment and the ability to balance competing priorities and stakeholders when determining strategy. Your work will directly drive the sustainable, circular consumption of consumer electronics, which sits at the heart of Raylo's mission. You'll Succeed With A proven track record with 7+ years of experience in analytics or data focused strategy roles. A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline. Using your technical skills (SQL, Python) to get into the details of our pricing strategies, leveraging internal and external datasets to deliver actionable insight into critical business functions. The ability to also step back from the detail of the data and think strategically while delivering as part of a larger team. Collaborating in a fast paced environment across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data driven decision making and educate others. Taking responsibility and ownership for the work in the entire area - if you're not getting it done, no one is. Opportunities & Benefits Fast track your career - 40% of our employees are promoted every review cycle (bi annually). Exclusive Raylo device lease for employees. Stock options for all employees. L&D budget to support the skills you value. Hybrid working model - 3 set days in the London Bridge Office (Monday, Wednesday & Thursday). 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you. Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Workplace nursery scheme for major cost savings. Diversity & Inclusion at Raylo At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.
What to Expect We're looking for an ambitious Head of Commercial Analytics to join us here at Raylo. As the business' lead on pricing, you'll own pricing for all of our customer propositions, be a key part of future partnerships and drive learning and innovation across these areas. Using data driven insights, you'll analyse how we can better understand how we can use pricing as a lever for growth and use this knowledge to help sustainably scale the business. Our Commercial and Pricing Strategy is core to Raylo's proposition of enabling consumers, businesses and OEMs to access tech in a more sustainable, circular consumption model. You'll use your deep analytical and technical expertise to play a key role in accomplishing this mission, through pricing customer facing propositions and working with our commercial team on new partnerships. This is a truly unique opportunity for an aspiring data and strategy analytics leader to influence the fundamental operations in a category defining business. In 2026, Raylo stands out with its groundbreaking approach to retail electronics and has massive ambitions for growth in the UK and internationally. You'll collaborate closely with the leadership team and co founders, C Suite, and senior business leaders. Your ideas and leadership will play a critical role in shaping the future of a key strategic advantage for Raylo. What You'll Do Reporting to the VP Strategy and Analytics, you'll work closely with other internal partners to define how we build a global commercial analytics & pricing function. Your technical and analytical skills will mean that you'll champion data informed decisions that drive sustainable growth for Raylo, and in time, build a high performing team that aligns with our mission opportunities. You'll be energised by collaborating with internal and external partners within commercial, finance and engineering to deliver meaningful change based on the insights that your data drives. You'll exhibit strong judgment and the ability to balance competing priorities and stakeholders when determining strategy. Your work will directly drive the sustainable, circular consumption of consumer electronics, which sits at the heart of Raylo's mission. You'll Succeed With A proven track record with 7+ years of experience in analytics or data focused strategy roles. A 2:1 or higher from a top university, preferably in a STEM or quantitative discipline. Using your technical skills (SQL, Python) to get into the details of our pricing strategies, leveraging internal and external datasets to deliver actionable insight into critical business functions. The ability to also step back from the detail of the data and think strategically while delivering as part of a larger team. Collaborating in a fast paced environment across the business with diverse skill sets and personality types. You have great stakeholder management skills and love using your analytical skills to champion data driven decision making and educate others. Taking responsibility and ownership for the work in the entire area - if you're not getting it done, no one is. Opportunities & Benefits Fast track your career - 40% of our employees are promoted every review cycle (bi annually). Exclusive Raylo device lease for employees. Stock options for all employees. L&D budget to support the skills you value. Hybrid working model - 3 set days in the London Bridge Office (Monday, Wednesday & Thursday). 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you. Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Workplace nursery scheme for major cost savings. Diversity & Inclusion at Raylo At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.
Story Terrace Inc.
The Opportunity This is a high-impact Lead PM role reporting directly to Raylo's Co-Founder and Chief Product Officer. You'll own the decisioning and pricing domain, one of our biggest growth levers, setting direction for frontend and backend engineers while partnering closely with Risk Strategy, who own credit modelling and analytics. Your work will directly impact approval rates, conversion, loss rates and ARR. Why We Exist Economic incentives, environmental pressures, and regulatory shifts are driving a global move toward the circular economy. Consumers and businesses are already moving away from rigid ownership models in favour of more flexible, affordable access. Yet while big tech has embedded subscriptions in everything from music to software to storage, the $1.5 trillion electronic device market remains deeply underserved. Until now. Raylo is the subscription infrastructure for the world's leading electronics brands, powering the circular economy by making devices more accessible, affordable, and flexible for consumers and businesses. The only way customers and manufacturers will make that shift is if it's simple and cost-effective. This is where we come in. What We've Built We enable the world's leading electronics brands to shift from single-use to circular, customer centric business models. We're at £70m ARR, profitable, growing fast, with 200,000+ active subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews. For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you're done. Behind that sits a sophisticated fintech platform powering device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that lets brands offer subscriptions without using their own balance sheet. No one else has built the full infrastructure to run electronics subscriptions at scale. Our platform has two sides. marketplace gives consumers and small businesses access to premium tech from the world's leading electronics brands. Raylo Pay is our embedded product, enabling brands such as PlayStation and LG to launch subscription journeys directly through their own DTC and ecommerce channels. The impact of our circular model is big. We cut emissions per device by around 50% compared to buy and discard. We're B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation's Future Fifty. How We Work AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade. Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale. At Raylo, AI is woven into how we work every day. We don't ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren't possible a year ago. Processes that used to be good enough are being rebuilt. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds. We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this? The more we automate, the more human judgement matters. AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement. We hire to a high bar. You'll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it. Our Values Be deeply curious - We thrive on innovation through diverse approaches, views, and people. Walk in your customer's shoes - To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want. Focus and execute - We have a big vision, but we believe in nailing the most important problems first. Be gritty - Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we're a team through thick and thin. Your team You'll be part of a close-knit product, engineering and design team. Designers obsess over taste, systems and service design. Product managers stay focused on value and what customers actually need, using quick, throwaway AI-assisted prototypes to test ideas before real code gets written. Our engineers do what great engineers love most: they build. They use the best harness available, often Claude Code, and let AI take the first pass. When AI isn't up to scratch, they go hands on the keyboard. AI accelerates their work, but craft, judgement and ownership stay with the engineer. All production code gets a final human review. The team is organised into focused squads, partnering closely with the business. We care about outcomes more than process. AI is compressing execution, so rigid long term roadmaps matter less than they used to. But north stars still matter. We know where we're going. How we get there is increasingly fluid. What you'll do AI decisioning and pricing is our core competitive advantage. The better our decisioning gets, the more good customers we can approve; the better our pricing gets, the more customers we can attract and convert. We're hiring a Lead Product Manager for AI Decisioning and Pricing. Reporting to the Co Founder and Chief Product Officer, you'll set direction for a team of frontend and backend engineers, working closely with Risk Strategy, who own credit modelling and analytics. You'll move the metrics that matter: approval rates, funnel conversion, loss rates, and insurance attachment. You'll do that by finding and shipping improvements across the full decisioning and pricing stack, whether that's verification UX, new data sources, open banking, pricing strategy, or the tooling Risk Strategy team needs to model and experiment faster. You'll also lead the launch of AI driven dynamic subscription pricing that responds to live market signals - a genuinely new capability for the category. The scope is broad and this is the biggest lever we have for ARR growth. You'll set the direction, then go deep on the details to make it real. What We're Looking For You're currently a Lead or Head of Product, passionate about backend systems and how things work under the hood. You're energised by complexity, balancing competing variables and finding the insight that changes how you see the problem. You're deeply curious about AI and already using these tools, even if your current employer hasn't caught up. You know your products inside out, make fast well reasoned decisions, and engineers are never left waiting on you. You'll also bring: Strong SQL skills and a habit of digging into the numbers yourself A track record of moving metrics that matter Experience bringing engineering, risk, legal and commercial teams with you Real in market experimentation experience and the ability to tell a result from noise Comfort in fast moving, high ownership environments where the answer isn't always obvious Benefits Fast track your career - 40% of our employees are promoted every review cycle (bi annually) Exclusive Raylo device lease for employees Stock options for all employees L&D budget to support the skills you value Hybrid working model- 3 set days in the London Bridge Office (Monday, Wednesday & Thursday) 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Workplace nursery scheme for major cost savings Hiring process We move quickly and we'll aim to give you the best candidate experience possible. It starts with a 15 minute call, no prep needed. If there's a fit, we move fast, every stage has a purpose, and we'll tell you what we're looking for at each one. If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know. As an FCA regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process. Diversity and inclusion At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.
The Opportunity This is a high-impact Lead PM role reporting directly to Raylo's Co-Founder and Chief Product Officer. You'll own the decisioning and pricing domain, one of our biggest growth levers, setting direction for frontend and backend engineers while partnering closely with Risk Strategy, who own credit modelling and analytics. Your work will directly impact approval rates, conversion, loss rates and ARR. Why We Exist Economic incentives, environmental pressures, and regulatory shifts are driving a global move toward the circular economy. Consumers and businesses are already moving away from rigid ownership models in favour of more flexible, affordable access. Yet while big tech has embedded subscriptions in everything from music to software to storage, the $1.5 trillion electronic device market remains deeply underserved. Until now. Raylo is the subscription infrastructure for the world's leading electronics brands, powering the circular economy by making devices more accessible, affordable, and flexible for consumers and businesses. The only way customers and manufacturers will make that shift is if it's simple and cost-effective. This is where we come in. What We've Built We enable the world's leading electronics brands to shift from single-use to circular, customer centric business models. We're at £70m ARR, profitable, growing fast, with 200,000+ active subscriptions across consumers and small businesses. Customers trust us too, with a 4.5/5 Trustpilot rating from more than 20,000 reviews. For customers, the experience is simple: subscribe to a device, get support throughout, upgrade when you want, and return it when you're done. Behind that sits a sophisticated fintech platform powering device subscriptions end to end: credit and fraud decisioning, lifecycle operations, and the financing engine that lets brands offer subscriptions without using their own balance sheet. No one else has built the full infrastructure to run electronics subscriptions at scale. Our platform has two sides. marketplace gives consumers and small businesses access to premium tech from the world's leading electronics brands. Raylo Pay is our embedded product, enabling brands such as PlayStation and LG to launch subscription journeys directly through their own DTC and ecommerce channels. The impact of our circular model is big. We cut emissions per device by around 50% compared to buy and discard. We're B Corp certified, backed by Macquarie, NatWest and Channel 4 Ventures, and recognised by Tech Nation's Future Fifty. How We Work AI is changing what small, ambitious teams can build. Companies that embrace it will define the next decade. Raylo is uniquely placed to benefit. We combine proprietary technology and data with the orchestration of physical assets, operating across credit, fraud, pricing, logistics, refurbishment, resale and customer care. With AI improving every cycle, our moat deepens with scale. At Raylo, AI is woven into how we work every day. We don't ration access or hedge our bets. Our people use the best models and tools, and we expect them to do things that weren't possible a year ago. Processes that used to be good enough are being rebuilt. Teams are replacing spreadsheets with bespoke tooling, and anyone can query our data layer in plain English and get a real answer in seconds. We give every team their own hackathon: a chance to step back, start with a blank sheet, and ask: if we were starting today, how would we do this? The more we automate, the more human judgement matters. AI gives people back time, and we expect them to spend it on the things no model can replicate: conversations, trust, craft and team judgement. We hire to a high bar. You'll work with people who push you, raise your game and expect you to do the same. We want every person at Raylo to do the best work of their lives, and enjoy doing it. Our Values Be deeply curious - We thrive on innovation through diverse approaches, views, and people. Walk in your customer's shoes - To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want. Focus and execute - We have a big vision, but we believe in nailing the most important problems first. Be gritty - Only gritty teams succeed. Our individual ownership, passion, and perseverance mean we're a team through thick and thin. Your team You'll be part of a close-knit product, engineering and design team. Designers obsess over taste, systems and service design. Product managers stay focused on value and what customers actually need, using quick, throwaway AI-assisted prototypes to test ideas before real code gets written. Our engineers do what great engineers love most: they build. They use the best harness available, often Claude Code, and let AI take the first pass. When AI isn't up to scratch, they go hands on the keyboard. AI accelerates their work, but craft, judgement and ownership stay with the engineer. All production code gets a final human review. The team is organised into focused squads, partnering closely with the business. We care about outcomes more than process. AI is compressing execution, so rigid long term roadmaps matter less than they used to. But north stars still matter. We know where we're going. How we get there is increasingly fluid. What you'll do AI decisioning and pricing is our core competitive advantage. The better our decisioning gets, the more good customers we can approve; the better our pricing gets, the more customers we can attract and convert. We're hiring a Lead Product Manager for AI Decisioning and Pricing. Reporting to the Co Founder and Chief Product Officer, you'll set direction for a team of frontend and backend engineers, working closely with Risk Strategy, who own credit modelling and analytics. You'll move the metrics that matter: approval rates, funnel conversion, loss rates, and insurance attachment. You'll do that by finding and shipping improvements across the full decisioning and pricing stack, whether that's verification UX, new data sources, open banking, pricing strategy, or the tooling Risk Strategy team needs to model and experiment faster. You'll also lead the launch of AI driven dynamic subscription pricing that responds to live market signals - a genuinely new capability for the category. The scope is broad and this is the biggest lever we have for ARR growth. You'll set the direction, then go deep on the details to make it real. What We're Looking For You're currently a Lead or Head of Product, passionate about backend systems and how things work under the hood. You're energised by complexity, balancing competing variables and finding the insight that changes how you see the problem. You're deeply curious about AI and already using these tools, even if your current employer hasn't caught up. You know your products inside out, make fast well reasoned decisions, and engineers are never left waiting on you. You'll also bring: Strong SQL skills and a habit of digging into the numbers yourself A track record of moving metrics that matter Experience bringing engineering, risk, legal and commercial teams with you Real in market experimentation experience and the ability to tell a result from noise Comfort in fast moving, high ownership environments where the answer isn't always obvious Benefits Fast track your career - 40% of our employees are promoted every review cycle (bi annually) Exclusive Raylo device lease for employees Stock options for all employees L&D budget to support the skills you value Hybrid working model- 3 set days in the London Bridge Office (Monday, Wednesday & Thursday) 33 days off, your way - 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you Enhanced maternity, paternity, adoption or shared parental leave, if you've been with us for 12 months. Workplace nursery scheme for major cost savings Hiring process We move quickly and we'll aim to give you the best candidate experience possible. It starts with a 15 minute call, no prep needed. If there's a fit, we move fast, every stage has a purpose, and we'll tell you what we're looking for at each one. If there's anything we can do to support you through the process, whether that's adjustments or anything else, please let us know. As an FCA regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process. Diversity and inclusion At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.