Senior Credit Analyst

Meet the team 👥

Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.

About the role ✍️

We're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK.

• Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience

• Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products

• Apply quantitative analytics to understand risk drivers and recommend mitigation strategies

• Build dashboards to monitor and report on credit product performance

• Design, run, and analyse experiments across our credit product

• Apply state-of-the-art techniques to combat and mitigate fraud risk

• Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business

What we're looking for 🕵️

• Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus

• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company

• Experience designing lending products compliant with US state and federal regulations

• Experience with SQL, Python, or other statistical modelling tools

• Advanced Microsoft Excel skills

• Experience adopting AI tools within day-to-day work

• Experience/knowledge of working with A/B testing

• Nice to have: experience with Python for data analysis (Pandas or NumPy)

• Nice to have: knowledge of state-of-the-art machine learning techniques

What we offer

We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.

For the full breakdown on what's available in your location, visit our Candidate Hub 👈