Senior/Lead Data Scientist (Credit Risk)
UK Visa Sponsorship Analytics
Occupation Type
Actuaries, economists and statisticians
Occupation Code Skill LevelHigher Skilled
Sponsorship Salary Threshold
£55,100
(£28.26 per hour)
Occupation rate applies
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Description
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.
The role
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.
The role
We’re looking for a Lead/Senior Data Scientist to help us measure, monitor, and improve the performance of Cleo’s credit products. This is a level 3 or 4 Analytics role.
This is a hands‑on data science and analytics role. You’ll be analysing behaviour across millions of US users, using rich transactional and behavioural that powers Cleo’s AI money coach and credit products. You’ll spend the majority of your time in SQL and Python, working directly from Cleo’s data warehouse to understand, explain, and improve credit performance. This is not a traditional underwriting or policy role. You’ll be the analytics owner for [EWA / specific product], with direct line of sight to losses, revenue, and product roadmap. You’ll work closely with other analysts, Risk Modellers, Product Managers, and Engineers to diagnose portfolio trends, build monitoring frameworks, and deliver insights that inform how Cleo manages and optimises risk.
You’ll sit within the Risk & Payments pillar, working at the intersection of data, decisioning, and product, helping us build scalable systems that balance user access with sustainable economics.
You’ll be part of a growing team responsible for driving profitable growth while protecting the business from loss, using data to understand repayment behaviour, model performance, and system-level trade-offs. This is an opportunity to shape how we quantify and manage risk as we expand across new credit products and geographies.
What You’ll Be Doing
This is a hands‑on data science and analytics role. You’ll be analysing behaviour across millions of US users, using rich transactional and behavioural that powers Cleo’s AI money coach and credit products. You’ll spend the majority of your time in SQL and Python, working directly from Cleo’s data warehouse to understand, explain, and improve credit performance. This is not a traditional underwriting or policy role. You’ll be the analytics owner for [EWA / specific product], with direct line of sight to losses, revenue, and product roadmap. You’ll work closely with other analysts, Risk Modellers, Product Managers, and Engineers to diagnose portfolio trends, build monitoring frameworks, and deliver insights that inform how Cleo manages and optimises risk.
You’ll sit within the Risk & Payments pillar, working at the intersection of data, decisioning, and product, helping us build scalable systems that balance user access with sustainable economics.
You’ll be part of a growing team responsible for driving profitable growth while protecting the business from loss, using data to understand repayment behaviour, model performance, and system-level trade-offs. This is an opportunity to shape how we quantify and manage risk as we expand across new credit products and geographies.
What You’ll Be Doing
- Credit & Risk Performance Analytics
- Write complex SQL/python to pull cohort‑ and event‑level datasets from our warehouse and turn them into clear, decision‑ready analyses.
- Quantify the commercial impact of performance changes (losses, yield, approval rate)
- Design and analyse multivariate experiments on underwriting, pricing, or repayment flows, and translate results into actionable risk strategies
- Analyse arrears, default, and yield trends across Cleo’s credit products.
- Identify emerging risks and shifts in eligibility or repayment behaviour using cohort and segmentation analysis.
- Build and maintain dashboards for portfolio health and performance tracking.
- Design early-warning alerts for anomalies in arrears or model-driven decisioning.
- Model Understanding & Monitoring
- Partner with the Risk Modelling team to turn model health metrics (AUC, PSI, calibration, feature drift) into clear recommendations for policy or product changes.
- Monitor model stability and support investigations into concept drift and feature degradation.
- Quantify the impact of model changes and assess whether observed shifts are model- or market-driven.
Experience & Skills
- 4+ years analytics or data science experience in a risk-focussed role, ideally within fintech, lending, or payments
- Excellent SQL skills
- Fluency in Python (or R) for data analysis, modelling, and statistical testing
- Experience conducting large scale A/B experiments and interpreting results to drive product and business decisions
- Fluent in credit portfolio metrics – e.g. arrears buckets, roll rates, loss rate, yield/marginal loss – and how they tie to unit economics and P&L
- Hands‑on experience working with predictive models (e.g. credit, fraud, marketing), including interpreting metrics like AUC/Gini, calibration, PSI/CSI, drift.Hands-on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow)Strong analytical rigour and the ability to translate findings into clear business recommendationsTrack record of taking analyses all the way through to shipped changes and measurable impact
- Exposure to credit risk or payments decisioning (eligibility, pricing, loss modelling, or fraud detection).
- Experience with model monitoring, feature engineering, or supporting ML deployment.
A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles
Work at one of the fastest-growing 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 can’t fight for the world’s financial health if we’re 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. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love you to spend one day a week or more in our beautiful office. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally.
Other benefits (Can differ based on geographical location):
- Company-wide performance reviews every 6 months
If there’s 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 you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve 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 we’ll be able to apply what we learn to better support our UK users in the future.
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. 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 may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with CLEO's
Candidate Privacy Notice
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 terminated 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
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 terminated 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