Senior Data Analyst, Strategic Finance; Capital Markets

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 2× 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.

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We’re hiring a Senior Data Analyst, Strategic Finance (Capital Markets). This is a hands‑on, high‑responsibility role focused on ensuring Cleo’s debt facilities are managed with rigor, transparency, and data integrity. You’ll own the reporting and tooling that underpin our capital markets relationships — from covenant compliance and concentration monitoring to performance pacing and drawdown requests. Your work will ensure Cleo can both meet its obligations to lenders and scale access to capital with confidence.

This role sits within Strategic Finance and partners directly with Debt Capital Markets, FP&A, and Data teams. You’ll be responsible for building the systems, controls, and reporting frameworks that keep investors fully informed, while also making our internal capital allocation processes more automated and efficient. If you thrive on detail, precision, and building infrastructure that lenders can trust, this role gives you the opportunity to shape how Cleo manages and grows its access to capital.

• Debt Compliance & Monitoring:
  Own reporting for financial covenants, concentration limits, and facility triggers — ensuring complete accuracy, consistency, and proactive monitoring.
• Investor Relations Q&A:
  Partner with Debt Capital Markets to respond to lender questions, supplying timely, high‑quality data and clear explanations of performance drivers.
• Capital Allocation Tooling:
  Build automated workflows for drawdowns, repayments, and capital allocation across facilities, reducing manual work and increasing speed of execution.
• Performance Tracking:
  Develop dashboards that surface key warehouse and forward‑flow metrics — utilisation, advance rates, arrears, and portfolio concentration — in real time.
• Audit‑Ready Reporting:
  Ensure all reporting and data governance standards meet lender expectations, external audit requirements, and internal controls.
• Cross‑Functional Partnering:
  Work with FP&A, Data, and Finance Ops to integrate facility reporting into Cleo’s broader forecasting, cash planning, and financial strategy.

• 5+ years in data analytics, or hybrid data/finance roles, ideally in a high‑growth, product‑led company.
• Experience working in a tech/fintech company with Capital Markets activities.
• Excellent SQL skills.
• Hands‑on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow).
• A solid grasp of financial and operational metrics—ideally having worked closely with FP&A, Strategic Finance, or similar teams.
• Familiarity with credit exposures and facility‑level reporting — understanding how utilisation, concentration, and covenant tests drive capital markets relationships.
• Experience supporting multiple debt facilities or investor stakeholders, ensuring reporting is accurate, consistent, and compliant across different structures.
• A bias for action and ownership—you’re excited to build from scratch, own it end‑to‑end, and deliver value fast.
• Strong communication skills, with the ability to work…