UK Credit Compliance Lead UK - Remote

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’re hiring a Director of UKCompliance to join Cleo’s Legal, Compliance support investigations and remediation efforts; and help ensure that complaints, regulatory issues, and business changes are handled in a way that protects customers and the company.

Help shape the future of the function Contribute to the growth of Cleo’s broader international compliance capabilities, with the opportunity to build processes, improve governance, and manage at least one direct report as the UK program expands.

What We’re Looking For Must-Have 7+ years experience within UK financial services, ideally in a fintech or other fast-paced regulated environment. 2+ years as a SMF 16 and SMF 17 in UK regulated entity offering credit products.

Strong knowledge of AML + KYC frameworks and financial crime compliance requirements, with experience serving as an MLRO Direct and hands on experience applying CONC rules to regulated consumer credit products, for example, but limited to Responsible Lending CONC 5, Financial Promotions CONC3, Arrears and Defaults CONC 7.

Strong working knowledge of the FCA regulatory framework and experience supporting or leading compliance for UK regulated products.

Hands-on experience maintaining regulatory authorisations, managing FCA reporting obligations, and supporting ongoing regulatory compliance requirements.

Experience working directly with the FCA during regulatory reviews, examinations, investigations, or other supervisory interactions.

Experience supporting or leading applications for new licences, permissions, or authorisations, preferably including consumer credit or related regulated activities.

Ability to balance regulatory rigour with commercial pragmatism, providing clear advice that mitigates risk while enabling business objectives.

Strong judgment, ownership, and communication skills, with the ability to operate independently and influence senior cross‑functional stakeholders.

Experience building or maturing compliance programs, frameworks, policies, and controls in a scaling business.

Nice‑to‑have: Experience in a startup or high‑growth fintech environment.

Experience in de’novo consumer credit application with the FCA S166 experience in a previous organisation Experience building a compliance program or function with a high degree of autonomy.

Prior people management experience, or readiness to lead and develop at least one team member.

Familiarity with product development processes and advising on compliance considerations for new products and features.

Relevant compliance certifications or professional qualifications in compliance, AML, or financial crime.

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 .

Work at one of the fastest‑growing tech startups, backed by top VC firms, Balderton