Senior Credit Analyst

About Cleo

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $300 million in ARR and growing over 2x year‑over‑year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.

If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit. Follow us on Linked In to keep up to date with new product features and insights from the team.

We're seeking Senior Credit Risk Analysts to help us build our next generation of credit underwriting models and strategy. We are expanding our credit offerings, with BNPL, Installment Loans and more. EWA is a scaled flagship product that's still growing 2x every year. And we are growing across multiple geographies. 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.

• 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.

• Work on one of Cleo’s most important levers: credit decisioning for our consumer lending products.
• Support scaled products like EWA and new launches like BNPL as they grow across the US and UK.
• See your analysis directly influence credit policy, portfolio performance, and customer outcomes.
• Get hands‑on technical ownership with exposure to high‑impact decisions and senior stakeholders.
• Ideal for someone who thrives in fast‑moving, ambiguous environments and loves solving complex problems.
• A great fit if you care about responsible credit and want to make real impact while growing as an analyst.

• 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 Fin Tech company.
• Experience in designing lending products compliant with US state and federal regulations.
• Experience in SQL, Python or other statistical modeling tools.
• Advanced Microsoft Excel skills.
• Experience/knowledge of working with A/B testing.

• Experience with Python for data analysis with Pandas or Num Py.
• Knowledge of state‑of‑the‑art machine learning techniques.

• A competitive compensation package (base + equity) with bi‑annual reviews, aligned to our OKR planning cycles. You can view our public progression framework and salary bandings here: https://cleo‑
• Work at one of the fastest‑growing tech startups, backed by top VC firms, Balderton & EQT Ventures.
• A clear progression…