Finance Operations Analyst

At Cleo, we are 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. Cleo is a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This is a chance to join a team of brilliant, driven individuals who are passionate about making a real difference.

The role involves day-to-day financial operations supporting Cleo’s payments and credit products. You will work closely with Product, Engineering, and Banking Operations to help ensure new and existing products are operationally sound, well-documented, and supported through launch and scale. This is a Finance Operations Analyst position focused on flow-of-funds validation, settlements monitoring, reconciliation processes, partner reporting, and operational readiness.

What You'll Be Doing:

• Working with Product, Engineering, and Finance Ops to support launches and changes across products such as BNPL, card-based products, Bills, Autopilot, and payments infrastructure.
• Supporting day-to-day monitoring of settlements, repayments, and money movement flows to help ensure accuracy and consistency.
• Contributing to reconciliation processes across banks, processors, and internal systems, including investigating variances and breaks.
• Helping document and maintain clear, up-to-date flow-of-funds for new and existing products.
• Supporting operational readiness for product greenlights and MVP launches by highlighting settlement, reconciliation, and reporting considerations.
• Assisting with preparation of partner-facing reporting and supporting walkthroughs that explain how payment flows and settlements work.
• Helping respond to partner questions with clear operational explanations and follow-ups.
• Supporting investigation of operational issues related to settlements, repayments, or money movement.
• Contributing to the definition and improvement of repeatable Finance Ops processes as products and volumes scale.

You will develop a strong understanding of how money moves through Cleo’s systems and help ensure our financial operations remain reliable as our products grow and evolve.

What We're Looking For:

• A strong finance foundation — experience in Finance Operations, FP&A, Accounting, or a closely related finance role.
• Highly analytical thinking: you enjoy digging into numbers, spotting patterns, and working through ambiguity to get to the truth.
• Extremely strong attention to detail and a high bar for accuracy.
• Comfortable working with large datasets from multiple sources and reconciling across them.
• Ability to turn data into a clear narrative and communicate findings in a simple, structured way.
• Confident working cross-functionally and following issues through to resolution.

Nice-to-have:

• Experience working with payments providers or payment data, including settlements, refunds, chargebacks, or payout reporting.
• Familiarity with card or bank-backed products and the operational realities of money movement.
• Comfort running basic SQL queries or using data tools to validate or explore data.
• Experience supporting product launches, MVP rollouts, or operational readiness workstreams.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with reviews every 6 months.
• Work at one of the fastest-growing tech startups, backed by top VC firms.
• A clear progression plan to keep growing.
• Flexibility in your work schedule.
• Join our hybrid-first team, expected to be in our London office 1-3 times a week.

Other Benefits:

• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo).
• 6% employer-matched pension in the UK.
• Company-wide performance reviews every 6 months.
• Generous pay increases for high-performers.
• Private Medical Insurance, dental cover, and life assurance.
• Enhanced parental leave.
• 1 month paid sabbatical after 4 years at Cleo.
• Regular socials and activities, online and in-person.

We strongly encourage applications from diverse backgrounds. If there’s anything we can do to accommodate your specific situation, please let us know.