Head of Credit Policy in London

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 rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.

If you're driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo's success as we scale, while growing alongside a company that's scaling fast, this might be your perfect fit.

We're hiring two senior leaders to own the credit strategy behind Cleo's core lending products. These are high-impact roles that sit at the heart of Cleo's business model. You'll own the end-to-end credit policy that determines who gets a loan, how much, at what risk level, and why. The decisions you make will directly shape Cleo's P&L, customer experience, and growth trajectory.

We are expanding our credit offerings, with BNPL, Installment Loans and more. EWA is a scaled flagship product that's still growing 2x every year. And we are growing across multiple geographies. In both cases, you will lead the strategy, improve the decisioning engine, and build the future of lending at Cleo.

These are hands-on, player-coach roles. You'll work deeply with data, write SQL, run experiments, and guide a talented team of analysts - while partnering directly with senior leadership, including our CEO.

What You'll Be Doing

• Own and continuously refine the credit strategy for either EWA or BNPL, including segmentation, approval criteria and limits.
• Drive decisions that shape P&L outcomes, risk appetite and customer experience.
• Guide how Cleo expands into new segments, product variants and geographies.
• Partner directly with senior leadership, including the CEO, on high-stakes decisions.
• Build, mentor and develop analysts in your product area.
• Lead initiatives that improve decisioning, unlock new segments and strengthen unit economics.
• Stay close to the data – writing SQL, analysing performance, and interpreting experiments.

What We're Looking For

• Experience owning credit decisioning for a US consumer lending product.
• Background in EWA, BNPL, instalment lending, credit cards or similar.
• Track record of building and iterating credit policies with measurable results.
• Strong SQL and comfort working hands-on with complex datasets.
• Deep intuition for managing growth vs risk and customer segmentation.
• Experience partnering with modelling/DS teams to drive better decisioning.
• Ability to operate in fast-paced, ambiguous environments.

Nice to have

• BNPL domain expertise (for the BNPL role).
• Experience scaling a lending product from early-stage to mature.
• Exposure to warehouse lending and credit monitoring frameworks.
• Experience in high-growth fintech.
• Experience building or leading a credit strategy function.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles.
• 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.
• Flexibility. We can't fight for the world's financial health if we're not healthy ourselves.
• Work where you work best. We're a globally distributed team.
• Company-wide performance reviews every 6 months.
• Generous pay increases for high-performing team members.
• Equity top-ups for team members getting promoted.
• 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.
• 1 month paid sabbatical after 4 years at Cleo.
• Regular socials and activities, online and in-person.
• Online mental health support via Spill.

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.