Credit Analyst (Credit Reporting)

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 $300 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 are seeking a Credit Analyst to lead the technical implementation of our in-house credit reporting systems, with a primary focus on bureau reporting in the US and UK. As we migrate our Credit Builder Card product, your core mission will be to ensure our customers' credit data is accurately reported through the generation and management of Metro 2 (in US) and CAIS (in UK) files. This is a technical, hands‑on role where you will be the primary owner of our reporting infrastructure. You will build and maintain the SQL scripts required to produce industry‑standard reporting files and serve as the point of contact for resolving credit disputes via eOSCAR. You will be at the forefront of moving our credit reporting functionality from outsourced legacy systems to a scalable, in‑house global reporting engine.

Your Impact

• Build & Maintain Infrastructure: Create and maintain complex SQL scripts to extract customer data and generate Metro2 (US) and CAIS (UK) files for credit bureau reporting.
• Manage Disputes: Act as the point of contact for handling and resolving disputes regarding credit bureau information via eOSCAR.
• System Migration: Support the transition of the Credit Builder Card product to our internal database, ensuring no gaps in reporting during the sunsetting of legacy systems.
• Stakeholder Collaboration: Work closely with the Risk team and diverse product teams to align reporting requirements across the organization.
• Global Expansion: Help lay the groundwork for expanding our reporting capabilities into new products like BNPL and new geographies.

Why this role matters

• Global Exposure: Gain rare, hands‑on experience with both US and UK credit reporting systems (Metro2 and CAIS), developing a highly specialized global skill set.
• Direct Ownership: You aren't just maintaining a process; you are building it from scratch, moving from outsourced legacy systems to an in‑house build.
• Product Variety: Work across a diverse portfolio including the Credit Builder Card, BNPL, and future credit products.
• Career Growth: This role offers a clear path for technical skill development in SQL and database management within a fast‑scaling FinTech.

What we’re looking for

• We’re flexible on years of experience but you must have worked within US consumer credit lenders.
• High proficiency in SQL is a must; you should be comfortable querying databases to generate formatted output files.
• Reporting Expertise: Proven experience with Metro 2 file generation and eOSCAR dispute management is essential.
• A background in Fintech or at a credit bureau is essential.
• We value candidates who have worked with software providers or at small fintechs that built reporting in-house.
• Familiarity with CAIS (UK) reporting is a nice to have but not essential.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with 3‑annual reviews, aligned to our termly OKR planning cycles.
• This is an DS1/DS2 level role. Salary Banding is: $100,000 - $150,000.
• 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.

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.

Compensation range

United States: $100,000 - $150,000 gross annually. Other locations: Compensation will be discussed during the interview process. Final compensation will be determined based on the candidate's qualifications, skills, and previous experience.