Payments Product Analyst in London

Overview

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.

What You'll Be Doing

As a Senior Product Analyst in our Payments Intelligence team, you'll use data to drive Cleo's profitability. You'll play a key role in shaping and prioritising both the strategic and tactical roadmaps that power the development of a world-class payments retry engine. You'll define and take ownership of the core metrics that track the efficiency of our payments system. With these metrics in hand, you'll identify high-impact opportunities to optimise the timing and methods of payment collection - striking the right balance between revenue generation and cost control. This is a rare opportunity to directly influence profitability in a meaningful way. You'll also sit within the wider data function here at Cleo; a hotshot chapter of 65 Data Scientists, Product Analysts, and Analytic Engineers with significant industry experience who are at the heart of everything we do at Cleo.

Key Responsibilities

• Lead in-depth analysis of the payments retry system to identify high-impact growth opportunities
• Conduct root cause analysis on unexpected metric movements by examining user behaviour and payments data
• Define and monitor key performance indicators (KPIs) to track the efficiency of our payments platform
• Collaborate cross-functionally with Engineering, Product, and Data Science teams to build a market-leading payments intelligence system
• Design and analyse A/B tests to measure the effectiveness of product changes
• Work with Analytics Engineering to prioritise and contribute to the development of reliable, well-structured data models

Must Have

• A systems thinker: you approach challenges by understanding the interconnected nature of the payments ecosystem, recognising how changes in one area affect the broader system
• Several years of experience performing quantitative analysis in a digital product environment
• Strong SQL skills with the ability to extract insights from complex data sources
• Proven experience contributing to strategic planning, including roadmap development and initiative prioritisation
• A track record of using data to proactively optimise processes and improve performance
• Experience designing and interpreting A/B tests

Nice To Have

• Experience working with payment systems, collections or billing

What You'll Get For Your Hard Work

This is a level 3 position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.

A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles.

Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures.

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. Always with our complete support.

Flexibility. We can't fight for the world's financial health if we're not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work.

Work where you work best. We're a globally distributed team. If you live in London we have a hybrid approach, we'd love you to spend one day a week or more in our beautiful office. If you're outside of London, we'll encourage you to spend a couple of days with us a few times per year. And we'll cover your travel costs, naturally.

Other Benefits

• 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
• OpenAI subscription paid for
• Online mental health support via Spill
• Workplace Nursery Scheme
• And many more!

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. If there's anything we can do to accommodate your specific situation, please let us know.

By submitting this application, I confirm that all information is true to the best of my knowledge and that I have not wilfully suppressed any material fact. I agree that my personal data will be processed in accordance with Cleo's Candidate Privacy Notice.

Seniority level: Mid-Senior level | Employment type: Full-time | Job function: Research, Analyst, and Information Technology