Senior Credit Analyst in London

About Cleo
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.

About The Company
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.

About The Role
We’re seeking Senior Credit Risk Analysts to help us build our next generation of credit underwriting models and strategy. 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. You will have the opportunity to relentlessly leverage data, data science, experimentation and analytics to understand and manage credit risk and enable profitable growth of our portfolio. You will work closely with our data science, product, engineering, and finance teams and will interact with business stakeholders across many departments.

Your Impact
Leverage Cleo’s proprietary data and third‑party data to reduce loss rates and improve customer experience.
Optimize our risk thresholds, policies and strategy to expand member access and eligibility criteria of our credit products.
Apply your expertise in quantitative analytics to understand drivers of risk and suggest strategies to mitigate them.
Build dashboards to monitor and report the performance of credit products.
Design, execute, and analyze the results of experiments across our credit product.
Leverage state of the art techniques to combat and mitigate fraud risk.
Willingness to challenge the conventional thinking and try new ideas to solve complex business problems.
Maintain a strong data‑driven culture within the company by interacting with diverse internal functions.

Why this role matters
Work on one of Cleo’s most important levers: credit decisioning for our consumer lending products.
Support scaled products like EWA and new launches like BNPL as they grow across the US and UK.
See your analysis directly influence credit policy, portfolio performance, and customer outcomes.
Get hands‑on technical ownership with exposure to high‑impact decisions and senior stakeholders.
Ideal for someone who thrives in fast‑moving, ambiguous environments and loves solving complex problems.
A great fit if you care about responsible credit and want to make real impact while growing as an analyst.

What We’re Looking For
Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Master’s degree is a plus.
3‑5 years of analytical experience, preferably in a credit risk role at a FinTech company.
Experience in designing lending products compliant with US state and federal regulations.
Experience in SQL, Python or other statistical modeling tools.
Advanced Microsoft Excel skills.
Experience/knowledge of working with A/B testing.

Nice To Have
Experience with Python for data analysis with Pandas or Numpy.
Knowledge of state of the art machine learning techniques.

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. 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 (plus 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.
We’ll pay for your OpenAI subscription.
Online mental health support via Spill.
Workplace Nursery Scheme.
And many more!

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