Senior Credit Analyst

Most money apps talk at you. Cleo talks back ✨

We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.

The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.

We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.

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Meet the team 👥

Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.

About the role ✍️

We're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK.

• Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience

• Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products

• Apply quantitative analytics to understand risk drivers and recommend mitigation strategies

• Build dashboards to monitor and report on credit product performance

• Design, run, and analyse experiments across our credit product

• Apply state-of-the-art techniques to combat and mitigate fraud risk

• Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business

What we're looking for 🕵️

• Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus

• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company

• Experience designing lending products compliant with US state and federal regulations

• Experience with SQL, Python, or other statistical modelling tools

• Advanced Microsoft Excel skills

• Experience adopting AI tools within day-to-day work

• Experience/knowledge of working with A/B testing

• Nice to have: experience with Python for data analysis (Pandas or NumPy)

• Nice to have: knowledge of state-of-the-art machine learning techniques

What we offer

We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.

For the full breakdown on what's available in your location, visit our Candidate Hub 👈

What Matters

Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.

We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.

We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!