Senior / Lead Data Scientist, Strategic Finance (Capital Markets) Office: United Kingdom Remote[...]

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 $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.

About The Role
We’re hiring a Senior / Lead Data Scientist, Strategic Finance (Capital Markets). This is a hands‑on, high‑responsibility role focused on ensuring Cleo’s debt facilities are managed with rigour, transparency, and data integrity. You’ll own the reporting and tooling that underpin our capital markets relationships — from covenant compliance and concentration monitoring to performance pacing and drawdown requests. Your work will ensure Cleo can both meet its obligations to lenders and scale access to capital with confidence. This role sits within Strategic Finance and partners directly with Debt Capital Markets, FP&A, and Data teams. You’ll be responsible for building the systems, controls, and reporting frameworks that keep investors fully informed, while also making our internal capital allocation processes more automated and efficient. If you thrive on detail, precision, and building infrastructure that lenders can trust, this role gives you the opportunity to shape how Cleo manages and grows its access to capital.

What You'll Be Doing

• Debt Compliance & Monitoring: Own reporting for financial covenants, concentration limits, and facility triggers, ensuring complete accuracy, consistency, and proactive monitoring.
• Investor Relations Q&A: Partner with Debt Capital Markets to respond to lender questions, supplying timely, high‑quality data and clear explanations of performance drivers.
• Capital Allocation Tooling: Build automated workflows for drawdowns, repayments, and capital allocation across facilities, reducing manual work and increasing speed of execution.
• Performance Tracking: Develop dashboards that surface key warehouse and forward‑flow metrics, utilisation, advance rates, arrears, and portfolio concentration, in real time.
• Audit‑Ready Reporting: Ensure all reporting and data governance standards meet lender expectations, external audit requirements, and internal controls.
• Cross‑Functional Partnering: Work with FP&A, Data, and Finance Ops to integrate facility reporting into Cleo’s broader forecasting, cash planning, and financial strategy.

What We’re Looking For

• 5+ years in data analytics, or hybrid data/finance roles, ideally in a high‑growth, product‑led company.
• Experience working in a tech/fintech company with Capital Markets activities.
• Excellent SQL skills.
• Hands‑on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow).
• A solid grasp of financial and operational metrics—ideally having worked closely with FP&A, Strategic Finance, or similar teams.
• Familiarity with credit exposures and facility‑level reporting — understanding how utilisation, concentration, and covenant tests drive capital markets relationships.
• Experience supporting multiple debt facilities or investor stakeholders, ensuring reporting is accurate, consistent, and compliant across different structures.
• A bias for action and ownership—you’re excited to build from scratch, own it end‑to‑end, and deliver value fast.
• Strong communication skills, with the ability to work fluidly across technical and non‑technical teams.
• Interest in fintech and Cleo’s mission to make money easier and more human.

Nice To Have

• Experience speaking directly with investors/lenders, whether to respond to Q&A, walk through reporting, or explain drivers behind performance.

What would you get for your hard work?

• A competitive compensation package (base + equity) with termly reviews, aligned to our 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 4 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!

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.