Innovation Lead - Fintech

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 LinkedInto keep up to date with new product features and insights from the team.

The Role

As Innovation Lead youll be at the forefront of driving Cleos diversification strategy leading the discovery of highimpact New Bets that redefine our product offering and expand our revenue streams. You will thrive in ambiguity marrying imaginative creativity with sharp strategic thinking to generate and validate ideas that have the potential to shape Cleos future.

This isnt just about processits about envisioning whats next. Youll be a creative powerhouse and a catalyst for innovation bringing bold unconventional ideas to life and fostering a culture of experimentation. Success in this role is measured by the strength and originality of the concepts developed as well as their potential impact on Cleos customers and business. A strong background in the consumer fintech ecosystem is essential as you will need expert knowledge to drive developments that meet the evolving demands of our customers.

What Youll Do

• Develop deep understanding of user problems the competitive landscape and Cleos right to win in new spaces.
• Run ideation and brainstorming sessions to generate earlystage concepts that can diversify Cleos product offering.
  Engage with internal and external experts to sharpen thinking and improve the quality of concepts.
• Collaborate with crossfunctional partners (design research engineering analytics commercial) to shape and evolve ideas.
• Map key assumptions and coordinate spy testing plans with research and analytics to validate earlystage concepts.
• Build compelling datainformed cases for why Cleo should invest in the concepts youve developed.
• Challenge conventional thinking and surface bold ideas aligned with Cleos mission and customer needs.
• Uncover Opportunities: Partner with Research and Product Marketing to identify unmet needs whitespace and emerging trends.
• Develop and iterate on concepts with clear value propositions and a path to commercialisation.
• Draw on the expertise of crossfunctional teams to refine and strengthen ideas throughout the process.
  
  

Ideal Candidate

• Visionary Thinking: Youre a creative force with an innate ability to generate and champion bold transformative ideas.
• Strategic Innovator: You combine imagination with sharp analytical thinking to identify opportunities and shape them into actionable strategies.
• Thrives in Complexity: You excel in navigating unstructured environments bringing clarity and focus to undefined challenges.
• Dynamic Collaborator: You bring people together to cocreate driving alignment and inspiration across teams.
• CustomerCentric Mindset: You deeply understand and empathise with customer needs crafting ideas that deliver both delight and tangible value.
• Proven Innovator: You have experience in consumer fintech 01 product development and have a track record of originating innovative concepts which drive to successful outcomes.
• ActionOriented: While youre a dreamer youre also a doer eager to translate big ideas into tangible testable concepts.

What Were Looking For

• • A proven track record of originating and developing groundbreaking ideas that have led to impactful business outcomes.
  • Exceptional communication and storytelling skills to inspire and align diverse stakeholders.
  • A mix of creative instinct and rigorous problemsolving to balance boldness with feasibility.
  • Deep experience in consumerfacing products (B2C); fintech experience is a must
  • Familiarity with customer research market analysis and strategic validation methods.

Diversity and Inclusion

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.

Whats the Process Like

We aim to move as fast as possible. Usually 23 weeks is enough time for us all to get to know each other.

• Step 1: 30 mins video call with a member of our Talent Team to find out more about your experience and why youre potentially interested in Cleo.
• Step 2: 1 hour with the Hiring Manager Tom May Product Director New Ventures.
• Step 3: Take home task interview presented to two of our Product team
• Step 4: 45 minutes each with two crossfunctional peers

What do you get for all your hard work

• • A competitive compensation package (base equity) with reviews every 8 months. You can view our public progression framework and salary bandings here: This position is a PM4 level and we can paydepending on experience.
  • Work at one of the fastestgrowing tech startups backed by top VC firms like Sofina 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 treat you as humans first employees second. Because we cant fight for the worlds financial health if were not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work giving you the autonomy to structure your day around morning dropoffs to school or daily dog walks.
  • Hybridfirst:Join our hybridfirst team where we blend the best of both remote and inoffice work. We expect our team members to be in our London office 12 times a week. On Thursdays we buy you lunch but you can come to the office on whichever days work best for you!
  • Other benefits;
    • 25 days annual leave a year public holidays an additional day for every year you spend at Cleo)
    • Check out our new benefits package here: employermatched pension in the UK
    • Companywide performance reviews every 8 months e.g every 2 terms in line with our termly cycles (JanApril MayAug SeptDec):
      • Generous pay increases for highperformers and highgrowth team members
      • Equity topups for team members getting promoted
    • 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
    • And many more!