Head of Treasury

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. 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.

Meet the team. Finance at Cleo is about much more than reporting the numbers. We help the business understand its economics, make better decisions, allocate capital, and build the financial infrastructure needed to scale. Today, our team of ~25 spans Controllership, Financial Operations, Treasury, FP&A, Strategic Finance, Capital Markets, and Investor Relations, supported by a dedicated Data Science team working across all areas. We work closely with teams across Cleo, and we expect our people to understand the business, take real ownership, and master their craft. It’s an exciting time to join: the company is growing quickly, the problems are getting more interesting, and there is a huge amount still to build.

About the Role. We are currently hiring a Head of Treasury (L5) reporting to the VP of Finance. As Cleo has scaled, so has the complexity of cash moving through the business - you'll bring together liquidity management, cash forecasting, banking infrastructure, funding operations and FX strategy into a single, scalable treasury function built for a fast-growing consumer lending platform operating across multiple facilities and geographies.

• Own Cleo's group-wide liquidity strategy, building short, medium and long-term cash forecasts across entities, currencies and funding sources, and translating them into recommendations on capital allocation and funding needs.
• Own daily cash positioning and treasury operations supporting Cleo's lending facilities - drawdowns, repayments, settlements and collateral movements - partnering closely with Capital Markets to ensure facilities run efficiently.
• Strengthen cash controls, reconciliations and audit readiness with Core Finance and Finance Operations, and establish treasury policies and governance that support scale and public-company readiness.
• Define the roadmap for treasury systems, data and automation, reducing reliance on manual processes, and build clear reporting and dashboards across liquidity, funding capacity and facility utilisation.
• Establish operating rhythms across FP&A, Accounting, Capital Markets, Engineering and Operations so cash movements and forecasts are coordinated, transparent and auditable.
• Own Cleo's FX strategy - identify and manage currency exposure across a multi-currency, multi-geography business, and run and improve the hedging programme, from setting risk policy to executing hedges and reporting exposure to leadership.
• Scope and hire your first Treasury Operations team member, then grow the function as the business does.

What We're Looking For. You've built treasury before - stood up or materially transformed a treasury function, not just run one that already existed, in fintech, consumer lending, financial services, or another highly regulated environment. Consumer-lending fluency, with an understanding of warehouse facilities, borrowing bases, receivables financing, settlement flows and bank partnerships, comfortable supporting multiple concurrent facilities alongside a Capital Markets team. Hands-on and strategic - you enjoy building from first principles (operating model, controls, systems) and are equally comfortable approving a wire or designing the policy that governs it. Forecasting and analytical rigour, having built models and frameworks that leadership actually makes decisions on. Cross-functional influence, able to bring Finance, Accounting, Capital Markets, Engineering, Product and Operations along with you and explain complex treasury concepts to an exec audience. Bias to action, zero ego - this role exists because complexity is outrunning capacity, and you'll ship a better setup quickly.

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, dental and vision insurance, mental health support, a paid one-month sabbatical after four years, a learning and 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 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!