Head of Credit Policy

5 days ago Be among the first 25 applicants

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.

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.

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We’re hiring two senior leaders to own the credit strategy behind Cleo’s core lending products.

These are high-impact roles that sit at the heart of Cleo’s business model. You’ll own the end-to-end credit policy that determines who gets a loan, how much, at what risk level, and why. The decisions you make will directly shape Cleo’s P&L, customer experience, and growth trajectory.

We are expanding our credit offerings, with BNPL, Installment Loans and more. EWA is a scaled flagship product that's still growing 2x every year. And we are growing across multiple geographies. In both cases, you will lead the strategy, improve the decisioning engine, and build the future of lending at Cleo.

These are hands-on, player-coach roles. You’ll work deeply with data, write SQL, run experiments, and guide a talented team of analysts - while partnering directly with senior leadership, including our CEO.

• You’ll own one of the most important levers in Cleo’s business — credit decisioning for a scaled US lending product or a brand-new BNPL launch
• EWA continues to expand across the US and UK; BNPL goes live in January with high visibility
• The policies you design have immediate impact on growth, risk and customer outcomes.
• You get the combination of ownership, technical depth and executive exposure
• Ideal for someone who wants to shape how a lending product scales and enjoys ambiguity, pace and solving complex problems
• Strong alignment if you care about responsible credit and want to lead while staying hands-on

• Own and continuously refine the credit strategy for either EWA or BNPL, including segmentation, approval criteria and limits
• Drive decisions that shape P&L outcomes, risk appetite and customer experience
• Guide how Cleo expands into new segments, product variants and geographies
• Partner directly with senior leadership, including the CEO, on high-stakes decisions
• Build, mentor and develop analysts in your product area
• Lead initiatives that improve decisioning, unlock new segments and strengthen unit economics
• Stay close to the data – writing SQL, analysing performance, and interpreting experiments

• You’ll own one of the most important levers in Cleo’s business — credit decisioning for a scaled US lending product or a brand-new BNPL launch
• EWA continues to expand across the US and UK; BNPL goes live in January with high visibility
• The policies you design have immediate impact on growth, risk and customer outcomes.
• You get the combination of ownership, technical depth and executive exposure
• Ideal for someone who wants to shape how a lending product scales and enjoys ambiguity, pace and…