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Product Director - Credit Builder Card
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Cleo AI
Product Director - Credit Builder Card

Product Director - Credit Builder Card

London Full-Time 120000 - 200000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Lead the Credit Builder Card product and enhance user financial experiences.
  • Company: Cleo AI empowers users to achieve financial well-being with innovative tech solutions.
  • Benefits: Enjoy flexible work, competitive pay, equity options, and generous leave policies.
  • Why this job: Make a real impact on people's financial lives in a dynamic, growth-focused environment.
  • Qualifications: Experience in B2C tech, product leadership, and building consumer credit products required.
  • Other info: Join a hybrid-first team with a strong focus on personal and professional growth.

The predicted salary is between 120000 - 200000 £ per year.

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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

This role involves leading our Credit Builder Card product and building it into being a core part of the overall Cleo experience. The card will be at the center of our vision to help people spend better and smash fees .

Why spend better ?

Spending is inevitable. For our most vulnerable users, their daily spending choices can affect their ability to cover the most basic necessities. For Cleo, spending better is an opportunity to help people become more aware of their spending habits, understand the areas to cut down, and make smarter choices when it comes to essential spending so they get more out of their money.

Why smash fees ?

Bank fees are the silent killer: they’re designed to be confusing, hidden, and unfair.

We help people make payments on time, reduce credit utilization, and ultimately improve their credit scores. We want our users to reach real-world goals and outcomes such as buying a car, renting an apartment, accessing lower-cost credit, and being free of debt.

Key Features of the Credit Builder Card:

  • Enhance financial access, supporting our mission to make financial health universally attainable.
  • Early Paycheck Access and Emergency Cash: Facilitate up to 2 days early paycheck access and emergency cash, crucial for alleviating financial strain.
  • User-Friendly Experience: Maintain and innovate on a product with over 130k positive app reviews, ensuring it remains a trusted financial tool.
  • Credit Building Subscription: Lead the development of the Credit Builder Subscription, designed to help rebuild and establish credit without debt.

    • You will:

  • Report to our VP Growth
  • Own the vision, long term strategy, and product roadmap for our credit builder card
  • Hire, build, develop, and lead a high performing product management team
  • Work closely with a wide range of partners in product, engineering, design, user research, partnerships, compliance and data to ensure Cleo is delivering to business and users needs
  • Consistently deliver impactful initiatives that deliver immense customer value and business results

    • Our key requirements:

  • We\’re looking for a Product leader with a wealth of experience from B2C high-growth investor-backed tech companies.
  • Creativity. We\’re radically changing how people interact with and feel about their finances. You\’ll bring experience of building consumer credit/card products to the Cleo ecosystem
  • Experience building both new products (0→1) as well as track record of shipping continuous product improvements to an existing product portfolio, ideally for a consumer-facing mobile app
  • Seasoned product leadership, strategy, and vision in a growth-focused B2C environment. Experience building disruptive consumer card or credit products characterised by first-class user experience, reliability, and scalability.
  • People leadership: An inspiring, engaging people leader and outstanding communicator. Proven track record in developing Product Managers, and motivating teams.
  • Execution-focused product delivery and bias for action: Proven ability to build world-class products loved by users, delivering high-quality products on time and within budget.
  • Cultural, mission, and values fit: Strong alignment with Cleo’s values, purpose, and culture. Suited to working in a high-growth, disruptive, founder-led company.

    • Why should I apply?

  • Working on high impact product initiatives that solve real-world problems for customers and is a high priority business goal
  • Work in a high-growth consumer tech company that has more than doubled revenue year on year
  • We have a clear Product Manager career growth framework so you’ll understand from day 1 how to develop your career and improve your skills at Cleo
  • You’ll be joining an open and collaborative team where you’ll be heard and get to make a difference
  • You’ll have the opportunity to help shape our product practices and culture
  • And to have an impact outside of your squad, working with other PMs in your pillar to define strategy and set Cleo up for success

    • How long will the process take?

    We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

  • Step 1: Video call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
  • Step 2: 1 hour call with our VP Growth
  • Step 3: Product task which will then be presented to our Product Directors
  • Step 4: 45 minutes with cross-functional peers from design, data, engineering, and commercial45 minutes with our Founder Barney

    • What do you get for all your hard work?

  • A competitive compensation package (base + equity) This role is PM5 level and we can pay up to £158,308 + equity. You can view our public progression framework and salary bandings here:
  • Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 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 all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
  • Hybrid-first: Join our hybrid-first team, where we blend the best of both remote and in-office work. We expect our team members to be in our London office 1-2 times a week. On Thursdays, we buy you lunch but you can come to the office on whichever days work best for you!
  • Other benefits; 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)Check out our new benefits package here: employer-matched pension in the UKCompany-wide performance reviews every 8 months e.g every 2 terms, in line with our termly cycles (Jan-April, May-Aug, Sept-Dec): Generous pay increases for high-performers and high-growth team membersEquity top-ups for team members getting promoted Private Medical Insurance via Vitality, dental cover, and life assuranceEnhanced parental leave1 month paid sabbatical after 4 years at CleoRegular socials and activities, online and in-personWe\’ll pay for your OpenAI subscriptionOnline mental health support via SpillAnd many more!

    • UK App access: The Cleo app is no longer downloadable in the UK. 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.

    Product Director - Credit Builder Card employer: Cleo AI

    Cleo AI is an exceptional employer that prioritises meaningful work and employee well-being, offering a competitive compensation package alongside a clear career progression framework. With a flexible, hybrid-first work culture in London, employees are empowered to balance their personal and professional lives while contributing to impactful product initiatives that enhance financial health for users. Join a collaborative team where your voice matters, and enjoy unique benefits such as enhanced parental leave, regular performance reviews, and a supportive environment that fosters growth and innovation.
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    Contact Detail:

    Cleo AI Recruiting Team

    View Cleo AI Profile

    StudySmarter Expert Advice 🤫

    We think this is how you could land Product Director - Credit Builder Card

    ✨Tip Number 1

    Familiarise yourself with Cleo's mission and values. Understanding their focus on financial well-being and how they aim to empower users will help you align your vision with theirs during interviews.

    ✨Tip Number 2

    Network with current or former employees of Cleo on LinkedIn. Engaging in conversations can provide insights into the company culture and expectations, which can be invaluable during your interview process.

    ✨Tip Number 3

    Prepare to discuss your experience with B2C product management, especially in high-growth environments. Be ready to share specific examples of how you've successfully led product initiatives that align with Cleo's goals.

    ✨Tip Number 4

    Stay updated on trends in the fintech industry, particularly around credit products. Being knowledgeable about current challenges and innovations will demonstrate your passion and expertise in the field during discussions.

    We think you need these skills to ace Product Director - Credit Builder Card

    Product Management
    Strategic Vision
    Consumer Credit Knowledge
    Team Leadership
    Cross-Functional Collaboration
    User Experience Design
    Agile Methodologies
    Data-Driven Decision Making
    Market Research
    Financial Acumen
    Problem-Solving Skills
    Communication Skills
    Creativity and Innovation
    Execution Focus

    Some tips for your application 🫡

    Tailor Your CV: Make sure your CV highlights relevant experience in product management, especially in B2C tech companies. Emphasise your achievements in building consumer credit or card products, as this aligns with the role's requirements.

    Craft a Compelling Cover Letter: Use your cover letter to express your passion for Cleo's mission and how your background fits the role of Product Director. Mention specific experiences that demonstrate your creativity and leadership in product development.

    Showcase Your Leadership Skills: In your application, provide examples of how you've successfully led teams and developed product managers. Highlight your communication skills and ability to inspire others, as these are key traits for this position.

    Align with Company Values: Research Cleo's values and culture, and reflect this alignment in your application. Discuss how your personal values resonate with their mission to improve financial health and support vulnerable users.

    How to prepare for a job interview at Cleo AI

    ✨Understand Cleo's Mission

    Before your interview, make sure you fully grasp Cleo's mission to empower users towards financial well-being. Familiarise yourself with their products, especially the Credit Builder Card, and think about how your experience aligns with their goals.

    ✨Showcase Your Product Leadership Experience

    Be prepared to discuss your previous roles in product management, particularly in B2C tech environments. Highlight specific examples where you've led product development from concept to launch, focusing on user experience and business impact.

    ✨Demonstrate Creativity and Innovation

    Cleo is looking for someone who can radically change how people interact with their finances. Come ready with ideas on how to enhance the Credit Builder Card and improve user engagement. Think outside the box!

    ✨Prepare for Cross-Functional Collaboration

    Since the role involves working closely with various teams, be ready to discuss your experience in cross-functional collaboration. Share examples of how you've successfully partnered with design, engineering, and data teams to deliver impactful products.

    Product Director - Credit Builder Card
    Cleo AI
    Location: London
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    • Product Director - Credit Builder Card

      London
      Full-Time
      120000 - 200000 £ / year (est.)
    • C

      Cleo AI

      50-100
      View Cleo AI Profile
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