We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.

If there’s anything we can do to accommodate your specific situation, please let us know.

About Cleo

Most people come to Cleo to do work that matters. Every day, we empower people to build a life beyond their next paycheck, building a beloved AI that enables you to forge your own path toward financial well-being.

Backed by some of the most well-known investors in tech, we’ve reached millions of people to support them throughout their financial lives, from their first paycheck to their first home and beyond. We're hitting headlines too. This year, Forbes named us as one of their Next Billion Dollar Startups, and we were crowned the 'Hottest Tech Scaleup' at the Europas.

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Senior Credit Strategy Analyst

We’re seeking an entrepreneurial senior credit risk analyst to help us build our next generation of credit underwriting models and strategy.

As Cleo coaches customers to improve their financial health over time, our Cleo+ subscription is helping them access the best products to take action and meet their financial goals. From strong initial growth in its first year, we’re now expanding the Cleo+ financial product set, with a focus on consumer credit products that help users get to the next stage of financial health, while saving them money. 

As we launch new credit products for our Cleo+ subscription service, you will have the opportunity to relentlessly leverage data, data science, experimentation and analytics to understand and manage credit risk and enable profitable growth of our portfolio. You will work closely with our data science, product, engineering, and finance teams and will interact with business stakeholders across many departments

What You'll Be Doing

Leverage Cleo’s proprietary data and third party data to reduce loss rates and improve customer experience Optimize our risk thresholds, policies and strategy to expand member access and eligibility criteria of our credit products Apply your expertise in quantitative analytics to understand drivers of risk and suggest strategies to mitigate them Build dashboards to monitor and report the performance of credit products  Design, execute, and analyze the results of experiments across our credit product. Leverage state of the art techniques to combat and mitigate fraud risk Willingness to challenge the conventional thinking and try new ideas to solve complex business problems  Maintain a strong data driven culture within the company by interacting with diverse internal functions

About you

Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Masters degree is a plus  3-5 years of analytical experience, preferably in a credit risk role at a FinTech company Experience in designing lending products compliant with US state and federal regulations Experience in SQL, Python or other statistical modeling tools  Knowledge of state of the art machine learning techniques  Advanced Microsoft Excel skills  Experience working on A/B testing  Detail-oriented with exceptional organizational skills.  Ability to work in a fast-paced environment and meet aggressive deadlines  Experience working in business intelligence tools Excellent written and oral communication skills

What do you get for all your hard work?

A competitive compensation package - This is a Level 3 role paying £73,504 - £93,454 (Cleo home | Progression Career progression at Cleo (progressionapp.com)) Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, Balderton & EQT VenturesFlexibility: We can’t fight for the world’s financial health if we’re not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work

Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits

25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo) pro-rata6% employer-matched pension Private Medical Insurance via Vitality, dental cover, and life assuranceRegular socials and activities, online and in-personWe'll pay for your OpenAI subscriptionOnline mental health support via SpillAnd many more!

The interview process:

Following an initial call with one of our Talent Partners, you'll start with a 30-minute interview with our Credit Strategy Lead, digging into your background and experience in more depth. You'll then do a two-part technical interview, comprised of 2 60-minute sessions, assessing your financial modelling and SQL skills respectively. Finally, we'll finish off with a 45-minute interview where you can meet other members of Cleo, discussing our core values and cross-functional working.