Senior Credit Analyst

About The Role

We're seeking Senior Credit Risk Analyst's to help us build our next generation of credit underwriting models and strategy. You will have the opportunity to:

• Leverage Cleo’s proprietary data and third party data to reduce loss rates and improve customer experience
• Optimize our risk thresholds, policies and strategy to expand member access and eligibility criteria of our credit products
• Apply your expertise in quantitative analytics to understand drivers of risk and suggest strategies to mitigate them
• Build dashboards to monitor and report the performance of credit products
• Design, execute, and analyze the results of experiments across our credit product
• Leverage state of the art techniques to combat and mitigate fraud risk
• Willingness to challenge the conventional thinking and try new ideas to solve complex business problems

What We're Looking For

• Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Masters degree is a plus
• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company
• Experience in designing lending products compliant with US state and federal regulations
• Experience in SQL, Python or other statistical modeling tools
• Advanced Microsoft Excel skills
• Experience adopting AI tools within day to day work
• Knowledge of state of the art machine learning techniques

Nice To Have

• Experience with Python for data analysis with Pandas or Numpy

Why This Role Matters

Work on one of Cleo’s most important levers: credit decisioning for our consumer lending products
Support scaled products like EWA and new launches like BNPL as they grow across the US and UK
See your analysis directly influence credit policy, portfolio performance, and customer outcomes
Get hands-on technical ownership with exposure to high-impact decisions and senior stakeholders

Compensation

A competitive compensation package (base + equity) with 3-annual reviews, aligned to our termly OKR planning cycles.
This is an L3 level role. Salary Banding is: $155,000 - $200,000