Capital Markets Associate in London

About Cleo
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.

About The Role
We are hiring a Capital Markets Associate to join our fast-growing Debt Capital Markets team. This is a hands-on, high-responsibility role of vital importance to scaling Cleo's credit platform. You will take a lead role in structuring and executing new capital solutions, including corporate and asset-backed debt facilities. You will manage investor relationships, support the launch of new credit products, and help Cleo expand into new geographies.

Key Responsibilities

• Capital Markets Strategy and Execution: Take a lead role in developing Cleo's capital allocation and funding strategy. Execute the strategy by supporting structuring, negotiation and closing of new credit facilities across Cleo's expanding credit product suite.
• Analytics, modelling and financial analysis: Develop and refine performance, collateral and funding models. Partner closely with Credit and product teams to analyse new and existing credit portfolios. Support structuring of borrowing bases, performance triggers and concentration limits.
• New Products and Geographic Expansion: Partner across Cleo businesses to ensure capital readiness for all new initiatives. Assist product teams in developing new credit products.
• Investor Relations: Manage existing relationships and support growth of new strategic partnerships. Prepare high-quality materials for lenders, equity investors and other third parties.
• Debt Facility Management, Compliance & Monitoring: Own the management of Cleo's debt facilities, ensuring complete accuracy, consistency, and proactive monitoring.
• Operational support: Assist in building scalable processes across treasury, capital management and reporting.

What We Are Looking For

• 2-6 years' experience in structured finance, capital markets, or specialty finance at a bank, fund, Fintech, or other relevant financial services provider.
• Some background in data analytics or a desire to learn (SQL, Python).
• A solid grasp of financial and operational metrics.
• Track record of supporting the execution of asset-backed credit facilities and/or the management of capital markets transactions.
• Familiarity with credit exposures and facility-level reporting.
• Exceptional analytical and problem-solving skills, high attention to detail, and a collaborative mindset.
• Strong communication skills, with the ability to work fluidly across technical and non-technical teams.
• Interest in fintech and Cleo's mission to make money easier and more human.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews.
• Work at one of the fastest-growing tech startups, backed by top VC firms.
• A clear progression plan.
• Flexibility to ensure a healthy work-life balance.
• Hybrid-first: Join our hybrid-first team, expected to be in our London office 1-2 times a week.
• Generous pay increases for high-performing team members.
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days).
• 6% employer-matched pension in the UK.
• Private Medical Insurance via Vitality, dental cover, and life assurance.
• Enhanced parental leave.
• Regular socials and activities, online and in-person.

Welcoming Everyone
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.