Lead Product Analyst Payments

This is a Level 4 position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.

About Cleo

At Cleo were not just building another fintech app. Were embarking on a mission to fundamentally change humanitys relationship with money. Imagine a world where everyone regardless of background or income has access to a hyperintelligent financial advisor in their pocket. Thats the future were creating.

Cleo is a rare success story: a profitable fastgrowing unicorn with over $200 million in ARR and growing over 2x yearoveryear. This isnt just a job; its 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 youre driven by complex challenges that push your expertise the chance to shape something truly transformative and the potential to share in Cleos success as we scale while growing alongside a company thats 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.

What youll be doing

You will be the Lead Product Analyst in our payments collections team youll leverage data to chart the path to net profitability at one of the UKs fastest growing startups. You will be playing an instrumental role in defining and prioritising the teams long term and short term roadmaps to build a bestinclass payments processing engine.

Initially you will help define and own the key metrics which measure the efficiency of our payments engine. Using these metrics you will identify opportunities to optimise when and how we take payments while balancing revenue and the cost of payments. This is a unique opportunity to maximise profitability. Your work will soon grow beyond this brief into broader matters of company performance.

Youll also sit within the wider data function here at Cleo; a hotshot chapter of 60 Machine Learning Engineers Product Analysts and Analytic Engineers with significant industry experience who are at the heart of everything we do at Cleo.

Roles & Responsibilities

• You will conduct deepdive analysis of the payments ecosystem to identify the highest impact areas for growth
• You will dig deep into our user behaviour and payments data to conduct root cause analysis on unexpected metric movements
• You will define key paymentsrelated metrics and track KPIs to assess the efficiency of our payments platform
• You will work alongside our engineering product and data science partners to build a bestinclass payments intelligence
• You will conduct regular A/B tests and causal analyses to determine the impact of product changes on success metrics
• You will work with Analytics Engineering to prioritise data modelling needs in your area as well as directly contributing to our transformed data codebase

About you

• You are a system thinker: You like approaching problems opportunities and challenges by understanding the interconnected components of a payments ecosystem. It involves viewing the payments landscape not as isolated parts but as an integrated system where changes in one area can impact others.
• You have multiple years of experience doing quantitative analysis within a digital product environment
• You have a solid SQL experience. You know how to dig deep through various data sources to find insights
• You have a demonstrated history of helping drive team strategy through helping build roadmaps and prioritising initiatives
• You have a proven track record of proactively optimising processes through dataled insights
• You are comfortable with defining metrics from scratch and creating dashboards
• You are familiar with conducting largescale A/B experiments
• Bonus:
  • You are familiar with payment systems and in particular with US payment rails (e.g. ACH)
  • You have experience working with third party data (either with payments processors risk engines or data aggregators)

What do you get for all your hard work

• A competitive compensation package (base equity) with biannual reviews aligned to our quarterly OKR planning cycles. This role offers 90K113K per annum. You can view our public progression framework and salary bandings here: at one of the fastestgrowing 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 cant fight for the worlds financial health if were 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. Were a globally distributed team. If you live in London we have a hybrid approach wed love you to spend one day a week or more in our beautiful office. If youre outside of London well encourage you to spend a couple of days with us a few times per year. And well cover your travel costs naturally.
• Other benefits;
• Companywide performance reviews every 6 months
• Generous pay increases for highperforming team members
• Equity topups 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 employermatched 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 inperson
• Well 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 socioeconomic backgrounds.

If theres 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 youre an existing user youll still have access to the app. But some features wont be available (just for a little while). Why 99 of our users are based in the US where financial health is often overlooked. Weve 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 well be able to apply what we learn to better support our UK users in the future.