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- Tasks: Lead the implementation of credit reporting systems and manage SQL scripts for accurate data reporting.
- Company: Join Cleo, a fast-growing fintech unicorn on a mission to revolutionise money management.
- Benefits: Competitive salary, equity options, flexible work environment, and clear career progression.
- Other info: Diverse team culture welcoming applicants from all backgrounds.
- Why this job: Gain hands-on experience with US and UK credit reporting while making a real impact.
- Qualifications: Experience in consumer credit, high proficiency in SQL, and familiarity with Metro 2 and eOSCAR.
The predicted salary is between 80000 - 120000 ÂŁ per year.
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 profitable, fast‑growing unicorn with over $300 million in ARR and growing more than 2x year‑over‑year. This is a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We set an exceptionally high bar for talent, seeking people who are at the top of their field and embody our culture of collaboration and positive impact.
About The Role
We are seeking a Credit Analyst to lead the technical implementation of our in‑house credit reporting systems, focusing on bureau reporting in the US and UK. Your core mission will be to ensure our customers’ credit data is accurately reported through Metro 2 (US) and CAIS (UK) files as we migrate the Credit Builder Card product. This is a technical, hands‑on role where you will be the primary owner of our reporting infrastructure. You will build and maintain the SQL scripts required to produce industry‑standard reporting files and serve as the point of contact for resolving credit disputes via eOSCAR. You will drive the transition of credit reporting from outsourced legacy systems to a scalable, in‑house global reporting engine.
Your Impact
- Build and maintain complex SQL scripts to extract customer data and generate Metro 2 (US) and CAIS (UK) files for credit bureau reporting.
- Act as the primary point of contact for handling and resolving disputes regarding credit bureau information via eOSCAR.
- Support the transition of the Credit Builder Card product to our internal database, ensuring no gaps in reporting during the decommissioning of legacy systems.
- Collaborate with the Risk team and product teams to align reporting requirements across the organization.
- Lay the groundwork for expanding our reporting capabilities into new products such as BNPL and into new geographies.
Why this role matters
- Gain rare, hands‑on experience with both US and UK credit reporting systems (Metro 2 and CAIS), developing a highly specialized global skill set.
- Take direct ownership of the end‑to‑end reporting process, building it from scratch rather than maintaining legacy systems.
- Work across a diverse portfolio including the Credit Builder Card, BNPL, and future credit products.
- Follow a clear technical growth path in SQL and database management within a fast‑scaling fintech environment.
What We’re Looking For
- Experience working within US consumer credit lenders (years of experience flexible).
- High proficiency in SQL, comfortable querying databases to generate formatted output files.
- Proven experience with Metro 2 file generation and eOSCAR dispute management.
- Background in fintech or a credit bureau, especially with software providers that built reporting in‑house.
- Familiarity with CAIS (UK) reporting is a plus but not essential.
What do you get for all your hard work?
- A competitive compensation package (base + equity) with 3‑annual reviews aligned to our termly OKR planning cycles.
- Salary band of $100,000–$150,000 for a DS1/DS2 level role.
- Work at one of the fastest‑growing tech startups, backed by top VC firms, Balderton and EQT Ventures.
- A clear progression plan that encourages you to lead, challenge the status quo, and own your impact.
- Flexible workspace: we’re a globally distributed team, offering hybrid options in London and remote work elsewhere, with travel cost coverage when appropriate.
Welcoming Everyone
We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and individuals from lower socio‑economic backgrounds. If there’s anything we can do to accommodate your specific situation, please let us know.
Credit Analyst (Credit Reporting) employer: cleo
Contact Detail:
cleo Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst (Credit Reporting)
✨Tip Number 1
Network like a pro! Reach out to folks in the fintech space, especially those who work with credit reporting. A friendly chat can open doors and give you insights that job descriptions just can't.
✨Tip Number 2
Show off your SQL skills! If you’ve got some cool projects or scripts you've worked on, be ready to discuss them in detail. We want to see how you think and solve problems, so bring your A-game!
✨Tip Number 3
Prepare for technical interviews by brushing up on Metro 2 and eOSCAR processes. We love candidates who can talk the talk and walk the walk, so make sure you know your stuff inside out.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive about joining our mission.
We think you need these skills to ace Credit Analyst (Credit Reporting)
Some tips for your application 🫡
Show Your SQL Skills: Make sure to highlight your SQL expertise in your application. We want to see how comfortable you are with querying databases and generating reports, so don’t hold back on showcasing your technical prowess!
Tailor Your Experience: When writing your application, tailor it to reflect your experience with credit reporting systems like Metro 2 and eOSCAR. We’re looking for specific examples that demonstrate your hands-on experience in the fintech space.
Be Clear and Concise: Keep your application clear and to the point. We appreciate straightforward communication, so make sure your skills and experiences shine through without unnecessary fluff.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity to join our team!
How to prepare for a job interview at cleo
✨Know Your SQL Inside Out
Since the role requires high proficiency in SQL, make sure you brush up on your skills. Prepare to discuss specific SQL queries you've written and how they relate to credit reporting. Practising common SQL problems can help you feel more confident during technical questions.
✨Understand Credit Reporting Systems
Familiarise yourself with Metro 2 and CAIS reporting standards. Be ready to explain how these systems work and their importance in the credit industry. Showing that you understand the nuances of credit reporting will demonstrate your commitment to the role.
✨Prepare for Scenario-Based Questions
Expect questions about handling disputes via eOSCAR or transitioning from legacy systems. Think of examples from your past experience where you successfully resolved issues or implemented changes. This will showcase your problem-solving skills and adaptability.
✨Show Your Passion for Fintech
Cleo is all about changing the relationship with money, so express your enthusiasm for fintech and how it can impact people's lives. Share any relevant experiences or projects that highlight your interest in financial technology and innovation.