Lead Product Analyst, Payments

This is a ‘Level 4’ position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.

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.

About Cleo

People come to Cleo to do work that matters. Every day, we empower people to build a life beyond their next paycheck, building a beloved AI that enables you to forge your own path toward financial well-being.

Backed by some of the most well-known investors in tech, we’ve reached millions of people to support them throughout their financial lives, from their first paycheck to their first home and beyond. We're hitting headlines too. This year, Forbes named us as one of their Next Billion Dollar Startups, and we were crowned the 'Hottest Tech Scaleup' at the Europas.

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

What you’ll be doing

You will be the Lead Product Analyst in our payments collections team, you’ll leverage data to chart the path to net profitability at one of the UK’s fastest growing startups. You will be playing an instrumental role in defining and prioritising the team’s long term and short term roadmaps to build a best-in-class payments processing engine.

Initially, you will help define and own the key metrics which measure the efficiency of our payments engine. Using these metrics, you will identify opportunities to optimise when and how we take payments while balancing revenue and the cost of payments. This is a unique opportunity to maximise profitability. Your work will soon grow beyond this brief into broader matters of company performance.

You’ll also sit within the wider data function here at Cleo; a hotshot chapter of 60 Machine Learning Engineers, Product Analysts, and Analytic Engineers with significant industry experience who are at the heart of everything we do at Cleo.

Roles & Responsibilities

• You will conduct deep-dive analysis of the payments ecosystem to identify the highest impact areas for growth
• You will dig deep into our user behaviour and payments data to conduct root cause analysis on unexpected metric movements
• You will define key payments-related metrics and track KPIs to assess the efficiency of our payments platform
• You will work alongside our engineering, product, and data science partners to build a best-in-class payments intelligence
• You will conduct regular A/B tests and causal analyses to determine the impact of product changes on success metrics
• You will work with Analytics Engineering to prioritise data modelling needs in your area as well as directly contributing to our transformed data codebase

About you

• You are a system thinker: You like approaching problems, opportunities, and challenges by understanding the interconnected components of a payments ecosystem. It involves viewing the payments landscape not as isolated parts but as an integrated system where changes in one area can impact others.
• You have multiple years of experience doing quantitative analysis within a digital product environment
• You have a solid SQL experience. You know how to dig deep through various data sources to find insights
• You have a demonstrated history of helping drive team strategy through helping build roadmaps and prioritising initiatives
• You have a proven track record of proactively optimising processes through data-led insights
• You are comfortable with defining metrics from scratch and creating dashboards
• You are familiar with conducting large-scale A/B experiments
• Bonus:
  • You are familiar with payment systems and in particular with US payment rails (e.g. ACH)
  • You have experience working with third party data (either with payments processors, risk engines, or data aggregators)

What do you get for all your hard work?

• A competitive compensation package (base + equity). This is an AX4 position as described in our public skills framework - The band for this role is £90K-£113K
• Work at a fast-growing UK startup, backed by top VC firms - Sofina, Balderton, EQT Ventures - that still has a sense of its values
• A clear progression plan. We want you to keep growing. You will always have a clear development plan, built using our skills framework, and a people-manager who works hard to help you on that journey.
• Hybrid-first: Join our hybrid-first team, where we blend the best of both remote and in-office work. We expect our team members to be in our London office 1-2 times a week. On Thursdays, we buy you lunch but you can come in whichever days work best!
• And the rest!
• Performance reviews every 8 months, with generous pay increases and equity top-ups for high performers
• Private Medical Insurance, dental cover, life assurance
• 25 days annual leave + 1 additional day for every year you spend at Cleo (+ public holidays)
• 6% employer-matched pension
• 1 month paid sabbatical after 4 years at Cleo
• Enhanced parental leave
• Access to Learnerbly, Reforge, and other L&D portals
• Online mental health support via Spill
• We'll pay for your OpenAI subscription
• Regular socials and activities, online and in-person
• And more! Check out our full benefits package here

UK App access: The Cleo app is no longer downloadable in the UK. Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve shifted our focus to where we can provide the most value and make the greatest impact for users. We’ll be returning to support UK users in the future.