Payments Analytics Manager
Payments Analytics Manager

Payments Analytics Manager

Full-Time 48000 - 84000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Lead the measurement and optimisation of Cleo's payments infrastructure.
  • Company: Cleo is a fast-growing fintech unicorn transforming how people manage money.
  • Benefits: Enjoy competitive pay, flexible work options, and generous leave policies.
  • Why this job: Join a passionate team making a real difference in financial health.
  • Qualifications: Strong analytical skills, fluency in SQL, and experience with data science preferred.
  • Other info: Remote work available; travel costs covered for team meet-ups.

The predicted salary is between 48000 - 84000 £ per year.

Join to apply for the Payments Analytics Manager role at Cleo

Join to apply for the Payments Analytics Manager role at Cleo

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

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.

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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

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.

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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

About The Role

We’re looking for a Payments Analytics Manager to lead the measurement, monitoring, and optimisation of Cleo’s payments infrastructure. This is a high-impact role at the heart of how money moves through our platform. You’ll own the frameworks, metrics, and deep-dive analyses that ensure our payments systems run smoothly, efficiently, and in a commercially sustainable way.

You’ll manage a team of analysts focused on payments success, routing, and intelligence, delivering clear insights that help us optimise cost, reliability, and scalability. You’ll set the standards for monitoring and diagnosis, identify the drivers of payment performance shifts, and shape how we evaluate and implement changes across our payments systems.

This role is ideal for someone who thrives at the intersection of data, systems thinking, and commercial impact. You’ll be comfortable working with complex, interconnected systems, familiar with interpreting ML model outputs and feature engineering trade-offs, and motivated by optimising for resilience, efficiency, and margin. Domain expertise in payments is a plus, but not required. What matters most is a strong analytical foundation, commercial mindset, and the ability to learn quickly.

Key Responsibilities

  • Payments Performance Measurement & Monitoring
  • Own the design and maintenance of Cleo’s payments analytics framework, including success rates, latency, cost per transaction, recovery rates, and vendor performance.
  • Own and maintain dashboards and alerts for early detection of anomalies in payment success, routing, or infrastructure stability.
  • Ensure definitions, thresholds, and escalation processes are consistent, documented, and aligned across the business.
  • Model Understanding & Monitoring
  • Detect and diagnose feature shift or concept drift in payments routing models
  • Lead investigations into deviations in success or cost, distinguishing between model-driven, operational, and external causes.
  • Lead Analytical Deep-Dives
  • Lead root cause analysis for deteriorations in payment success, latency, or cost efficiency.
  • Quantify the commercial impact of new or changing payments features, vendors, or retry strategies.
  • Forecasting & Scenario Analysis
  • Produce monthly forecasts for payment costs, success rates, and vendor throughput, in collaboration with Finance.
  • Build scenario models for vendor changes, volume spikes, and product roadmap shifts.
  • Conduct variance analysis comparing actuals vs forecast, with clear attribution of differences.
  • Team Leadership & Stakeholder Management
  • Manage and mentor payments analysts, setting clear priorities and deliverables.
  • Translate complex analytical findings into clear business implications for senior leadership.
  • Build strong cross-functional relationships with Engineering, Product, Data Science, Commercial, and Finance.

What We’re Looking For

Experience & Skills

  • Strong analytical skills with fluency in SQL; experience with Python or R is a plus.
  • Ability to interpret and communicate model performance metrics, feature importance, and confidence intervals.
  • Background in collaborating with data science or engineering teams on feature engineering and model evaluation.
  • Experience building and maintaining monitoring systems and alerting frameworks.
  • Commercially minded: able to translate payments success metrics into company-level impact.
  • Comfortable learning new domains quickly and navigating complex, interconnected systems.

Leadership & Influence

  • Experience managing or mentoring analysts and structuring team output for maximum impact.
  • Skilled at turning technical analytics into actionable recommendations for senior stakeholders.
  • Able to balance urgent monitoring needs with long-term framework and optimisation work.

Nice to Have

  • Familiarity with payments infrastructure, PSPs, or reconciliation processes.
  • Experience working with multiple vendors and payment rails.

Exposure to fintech operations in both the UK and US.

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. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
  • 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
  • We\’ll pay for your OpenAI subscription
  • 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.

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with CLEO. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with CLEO may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with CLEO\’s Candidate Privacy Notice

Seniority level

  • Seniority level

    Not Applicable

Employment type

  • Employment type

    Full-time

Job function

  • Job function

    Research, Analyst, and Information Technology

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Payments Analytics Manager employer: cleo

Cleo is an exceptional employer, offering a dynamic work culture that prioritises collaboration and innovation. As a Payments Analytics Manager, you'll be part of a fast-growing fintech unicorn, with opportunities for personal and professional growth, competitive compensation, and a flexible working environment that supports your well-being. Join us in shaping the future of financial health while enjoying generous benefits and a clear progression path in a vibrant London setting.
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Contact Detail:

cleo Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Payments Analytics Manager

✨Tip Number 1

Familiarise yourself with Cleo's mission and values. Understanding their goal of transforming financial relationships will help you align your answers during interviews and demonstrate your passion for their vision.

✨Tip Number 2

Network with current or former employees on LinkedIn. Engaging with them can provide insights into the company culture and expectations, which can be invaluable when preparing for interviews.

✨Tip Number 3

Brush up on your analytical skills, especially in SQL and any relevant programming languages like Python or R. Being able to discuss your technical expertise confidently will set you apart from other candidates.

✨Tip Number 4

Prepare to discuss real-world examples of how you've optimised payment systems or analytics frameworks in previous roles. Concrete examples will showcase your experience and problem-solving abilities effectively.

We think you need these skills to ace Payments Analytics Manager

Strong analytical skills
Fluency in SQL
Experience with Python or R
Ability to interpret model performance metrics
Background in collaborating with data science or engineering teams
Experience building monitoring systems and alerting frameworks
Commercially minded
Leadership and mentoring experience
Skilled at translating technical analytics into actionable recommendations
Comfortable navigating complex, interconnected systems
Experience with payments infrastructure and PSPs
Familiarity with forecasting and scenario analysis
Strong communication skills
Ability to manage cross-functional relationships

Some tips for your application 🫡

Understand the Role: Before applying, make sure to thoroughly read the job description for the Payments Analytics Manager role. Understand the key responsibilities and required skills, such as analytical skills, SQL fluency, and experience with payments infrastructure.

Tailor Your CV: Customise your CV to highlight relevant experience and skills that align with the job requirements. Emphasise your analytical background, any experience with payments systems, and your ability to lead teams and communicate complex findings.

Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for fintech and your understanding of Cleo's mission. Mention specific examples of how your skills and experiences make you a great fit for the Payments Analytics Manager position.

Showcase Your Analytical Skills: In your application, provide examples of past projects or experiences where you successfully used data analysis to drive business decisions. Highlight any experience with SQL, Python, or R, and how you've collaborated with data science or engineering teams.

How to prepare for a job interview at cleo

✨Understand Cleo's Mission

Before your interview, make sure you grasp Cleo's mission to change humanity's relationship with money. Be prepared to discuss how your skills and experiences align with this vision and how you can contribute to their goals.

✨Showcase Your Analytical Skills

As a Payments Analytics Manager, strong analytical skills are crucial. Be ready to share specific examples of how you've used data analysis to drive decisions in previous roles, particularly in payments or financial contexts.

✨Prepare for Technical Questions

Expect technical questions related to SQL, Python, or R. Brush up on your knowledge of payments infrastructure and be ready to discuss how you've built or maintained monitoring systems in the past.

✨Demonstrate Leadership Experience

Cleo values leadership and mentorship. Prepare to discuss your experience managing teams, setting priorities, and translating complex findings into actionable insights for stakeholders. Highlight any successful projects where you led a team to achieve significant results.

Payments Analytics Manager
cleo
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  • Payments Analytics Manager

    Full-Time
    48000 - 84000 £ / year (est.)

    Application deadline: 2027-09-14

  • C

    cleo

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