Senior/Lead Product Analyst (Instalment loans)

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 $300 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.

About The Role

As a Senior / Lead Product Analyst you’ll be at the centre of strategic decision‑making within your team. Working as part of a cross‑functional squad alongside product managers, designers, and engineers, you’ll apply your expertise to drive the future of what we build at Cleo. You will leverage rich user data and sophisticated analytical techniques to see your insights turned into real products.

You’ll also sit within the wider data science function here at Cleo—a hotshot team of 80 Product Analysts, Analytics Engineers, and Machine Learning Engineers, with significant industry experience that are at the heart of everything we do at Cleo.

We are looking for a self‑starter, focused on results, with a demonstrated success in using analytics to drive the understanding, growth, and success of a product.

This is a Level 3 (“Senior”) or Level 4 (“Lead”) position. Cleo has 5 internal levels of competency within Product Analytics. The salary range for this role is £65,000–115,000 depending on your experience and hybrid working/remote preference.

What You’ll Be Doing

• Launching a new lending product from scratch; working with Product, Design, User Research, Credit and Commercial teams to understand the right value proposition and framing for users
• Working closely with the Machine Learning and Engineering teams to collect the data needed for credit risk modelling
• Designing the analytical launch plan for the product; including working with Analytics Engineering to define data modelling needs and designing a robust test plan for each phase
• Conducting deep‑diving analysis in your product domain to understand user behaviour
• Influencing the roadmap of your team through presentation of data‑based recommendations
• Defining how we quantitatively evaluate success, setting KPIs, designing tracking to measure what really matters
• Conducting regular A/B tests and causal analyses to determine the impact of product changes on success metrics
• Building models of user‑segmentation, marketing attribution, customer lifetime value, etc.
• Working with Analytics Engineering to prioritise data modelling needs in your area as well as directly contributing to our transformed data codebase

What We’re Looking For

• 5+ years of experience doing quantitative analysis within a digital product environment
• Previous experience of taking a new lending product to market
• Experience conducting large‑scale A/B experiments and interpreting results to drive product and business decisions
• Ability to define new product metrics from complex, unstructured data
• Excellent SQL skills
• Fluency in Python and its application in data analysis is nice to have, but not essential
• Knowledge of statistics (e.g. hypothesis testing, regressions)
• Strong communication skills, with the ability to work fluidly across technical and non‑technical teams
• Hands‑on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow)
• A bias for action and ownership—you’re excited to build from scratch, own it end‑to‑end, and deliver value fast

What Do You Get for All Your Hard Work?

• A competitive compensation package (base + equity) with termly reviews, aligned to our 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

• Company‑wide performance reviews every 4 months
• Generous pay increases for high‑performing team members
• Equity top–ups for team members getting promoted
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
• 6% employer‑matched pension in the UK
• 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
• Workplace Nursery Scheme
• 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.