Finance Operations Analyst

About The Company

About Cleo

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 $200 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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

About The Role

As a Finance Operations Analyst in the Finance & Operations team, you’ll support the day-to-day financial operations behind Cleo’s payments and credit products. You’ll work closely with Product, Engineering, and Banking Operations to help ensure new and existing products are operationally sound, well-documented, and supported through launch and scale.

Your work will focus on supporting flow-of-funds validation, settlements monitoring, reconciliation processes, partner reporting, and operational readiness. This role is hands-on and execution-focussed, designed for someone who enjoys working with detail, understanding how financial systems operate, and collaborating across teams.

This is an operational finance role — not an analytics or AX position — and is well suited to someone looking to grow their experience across payments, credit products and financial operations in a fast-moving environment.

What you'll be doing

• Working with Product, Engineering, and Finance Ops to support launches and changes across products such as BNPL, card-based products, Bills, Autopilot, and payments infrastructure
• Supporting day-to-day monitoring of settlements, repayments, and money movement flows to help ensure accuracy and consistency

Contributing to reconciliation processes across banks, processors, and internal systems, including investigating variances and breaks

Helping document and maintain clear, up-to-date flow-of-funds for new and existing products

Supporting operational readiness for product greenlights and MVP launches by highlighting settlement, reconciliation, and reporting considerations

Assisting with preparation of partner-facing reporting and supporting walkthroughs that explain how payment flows and settlements work

Helping respond to partner questions with clear operational explanations and follow-ups

Supporting investigation of operational issues related to settlements, repayments, or money movement

Contributing to the definition and improvement of repeatable Finance Ops processes as products and volumes scale

You’ll develop a strong understanding of how money moves through Cleo’s systems and help ensure our financial operations remain reliable as our products grow and evolve.

What we're looking for

• A strong finance foundation — experience in Finance Operations, FP&A, Accounting, or a closely related finance role

Highly analytical thinking: you enjoy digging into numbers, spotting patterns, and working through ambiguity to get to the truth

Extremely strong attention to detail and a high bar for accuracy (you naturally double-check assumptions and outputs)

Comfortable working with large datasets from multiple sources (e.g. partner files, internal systems, spreadsheets, reporting tools) and reconciling across them

Ability to turn data into a clear narrative — letting the data tell the story, and communicating findings in a simple, structured way

Confident working cross-functionally and following issues through to resolution

Nice-to-have

• Experience working with payments providers or payment data (e.g. Stripe or similar), including settlements, refunds, chargebacks, or payout reporting
• Familiarity with card or bank-backed products and the operational realities of money movement
• Comfort running basic SQL queries or using data tools to validate or explore data (nice to have, not required)
• Experience supporting product launches, MVP rollouts, or operational readiness workstreams
  
  

What do you get for all your hard work?

• A competitive compensation package (base + equity) with reviews every 6 months.

6% employer-matched pension in the UK

Company-wide performance reviews every 6 months

Generous pay increases for high-performers and high-growth team members

Equity top-ups 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 in-person

We'll pay for your OpenAI subscription

Online mental health support via Spill

And many more!

Welcoming everyone

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.

If there’s anything we can do to accommodate your specific situation, please let us know.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Cleo AI. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Cleo AI may be terminate

d summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's Candidate Privacy Notice