We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents and people from lower socio-economic backgrounds. If there’s anything we can do to make adjustments for you in the hiring process, please don’t hesitate to let us know. We’re intentional about building a diverse, inclusive and equitable environment. Check out our diversity, equity and inclusion statement.

Looking to do work that matters?

We get it – it’s why most people come to Cleo. Together we’re fighting for the world’s financial health, building an AI that helps our users make the best money decisions from day one. We’ve helped 4 million people so far with personalised insights and a voice you don’t expect in FinTech. But it’s time to do more.

As we enter the next phase, we’re looking for more improvisers, data geeks and grown ups who want to own their work and create meaningful change.

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 in London or remotely in the UK.

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?

• An above market compensation package (Base + Equity). We're prepared to pay for the very best. You can view our progression framework and 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
• Cleo is a culture of stepping up. We want, and expect you to grow and develop. That means trying new things, leading others, challenging the status quo and owning your impact. You’ll have our support in everything you do. But more importantly, you’ll have our trust.
• We treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means the usual perks but it also means flexibility.
• Other benefits include; 
• 25 days Annual leave a year + public holidays
• Private medical and healthcare insurance and 401k.
• Ability to be able to work remotely in USA
• 4.30pm finish every Friday 
• Regular lunch-and-learns as part of a general learning culture
• Online courses and internal training to level up your skills like from coding, to SQL, to management training 
• Choose your own gear, ask for the tools you need, and we’ll seek them out for you 
• Cleo socials and activities 
• Online mental health support via Spill
• Access to Pushfar - online platform for external mentorship
• A clear career progression path through Progression https://cleo-ai.progressionapp.com/ 
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future. Check out this page for more information.