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.

You can also see our latest DE&I report here

This role is a remote position anywhere on the East Coast timezones. 

About Cleo

Most people come to Cleo to do work that matters. Every day, we fight for the world’s financial health, building a beloved AI that empowers people to make better financial decisions.

Backed by some of the most well-known investors in tech, we’ve reached over 4 million users and plan to double that number each year...which is where you come in.

What you’ll be doing

We’re seeking an entrepreneurial 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

This role can be based remotely across East Coast USA.

You will:

• 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

You have:

• 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 SQL, Python or other statistical modelling 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

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews. You can view our public progression framework and most salary bandings here: https://cleo-ai.progressionapp.com/ 
• Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility: 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
• Other benefits;
  • 25 days Annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 401k matching in the US and 6% employer-matched pension in the UK
  • Early finish every Friday
  • Online courses & internal training to level up your skills
  • Regular socials and activities, online and in-person
  • Online mental health support via Spill
  • Access to Pushfar - online platform for external mentorship
  • And many more!