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For Companies At a Glance
- Tasks: Build innovative credit underwriting models and strategies using data science and analytics.
- Company: Join Cleo, a fast-growing fintech unicorn on a mission to transform money management.
- Benefits: Competitive salary, equity options, bi-annual reviews, and a clear progression framework.
- Why this job: Make a real impact on credit decisioning while growing your analytical skills in a dynamic environment.
- Qualifications: Bachelor's degree in a quantitative field and 3-5 years of relevant analytical experience.
- Other info: Collaborate with diverse teams and tackle complex challenges in a rapidly evolving industry.
The predicted salary is between 36000 - 60000 ÂŁ per year.
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. 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.
Senior Credit Analyst employer: cleo
Contact Detail:
cleo Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst
✨Tip Number 1
Network like a pro! Reach out to current or former Cleo employees on LinkedIn. Ask them about their experiences and any tips they might have for landing a role at Cleo. Personal connections can make a huge difference!
✨Tip Number 2
Prepare for the interview by diving deep into Cleo’s mission and values. Show us how your skills align with our goal of transforming financial relationships. We love candidates who are genuinely passionate about what we do!
✨Tip Number 3
Don’t just talk about your past experiences; bring data to the table! Use specific examples of how you’ve leveraged analytics in previous roles to drive results. We’re all about that data-driven culture, so show us what you’ve got!
✨Tip Number 4
Finally, apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you’re serious about joining the Cleo team. Let’s make it happen!
We think you need these skills to ace Senior Credit Analyst
Some tips for your application 🫡
Show Your Passion: When you're writing your application, let your enthusiasm for Cleo's mission shine through. We want to see that you’re not just looking for a job, but that you genuinely care about transforming how people interact with money.
Tailor Your Experience: Make sure to highlight your relevant experience in credit risk and analytics. We’re looking for specific examples of how you've tackled complex challenges in the past, so don’t hold back on those details!
Be Data-Driven: Since we thrive on data, include any quantitative achievements or projects you've worked on. Show us how you've used data to drive decisions and improve outcomes in your previous roles.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to keep track of your application and ensure it gets the attention it deserves. Plus, it shows you’re serious about joining our team!
How to prepare for a job interview at cleo
✨Know Your Numbers
As a Senior Credit Analyst, you'll need to demonstrate your analytical prowess. Brush up on key metrics related to credit risk and be ready to discuss how you've used data to drive decisions in previous roles. Show them you can leverage data science and analytics to tackle complex challenges.
✨Understand Cleo's Mission
Cleo is all about transforming the relationship with money. Familiarise yourself with their products and values. Be prepared to discuss how your experience aligns with their mission and how you can contribute to their goal of making financial advice accessible to everyone.
✨Prepare for Technical Questions
Expect questions that test your knowledge of SQL, Python, and statistical modelling tools. Brush up on your technical skills and be ready to solve problems on the spot. You might even be asked to design a simple credit model or analyse a dataset during the interview.
✨Show Your Collaborative Spirit
Cleo values collaboration across teams. Be ready to share examples of how you've worked with cross-functional teams in the past. Highlight your ability to communicate complex ideas clearly and how you’ve contributed to a positive team culture.
