Senior Product Manager - Payments & Lending Cleo

London 26-03-2024

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:

Most 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.

The Role:

You’ll be a key member of our Plus & Money platform pillar, specifically working within the Payments and Lending team, responsible for enhancing our product features to support user financial health by leveraging data science and machine learning to refine and advance Cleo's product offerings. 


  • Drive DS/ML Enablement and Innovation: Work on the enablement side of DS payments and lending, developing new commercially focused models and taking them from an idea, to production and generating value. 
  • Optimise Existing Models: Take ownership of critical existing models that currently drive our risk assessment and payments decisioning, optimising them to deliver their full potential.
  • Infrastructure Development: Drive initiatives to improve Cleo’s modelling infrastructure to enable their seamless use across the company, owning metrics like model latency, quality and robustness.
  • Collaborate Across Functions: Work collaboratively with other squads to enhance product capabilities by scaling the use of commercial models and identifying new modelling applications

What We’re Looking For:

  • Experience in Product Management: 3+ years in product management, focusing on consumer product growth and optimization, with a background in leveraging data analytics and user insights for product development.
  • Data Science and Machine Learning: Strong understanding of DS/ML problems and solutions, passionate about leveraging these skills to drive growth, optimize product offerings, and enhance financial well-being.
  • Hands-On Collaboration: Enjoy working closely with a cross-functional team, including analysts, designers, marketers, and engineers.
  • Strategic Involvement: Actively involve your product squad in strategic planning and decision-making processes.

Why This Role Is Exciting:

  • Impactful Work: Drive significant improvements in financial health for users through innovative data science and machine learning projects.
  • Cross-Functional Influence: Shape the future of Cleo's product offerings by working with cross-functional teams in implementing data-driven decisions.

How long will the process take?

  • Step 1: Call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
  • Step 2: 45-60 minutes with another of our ML focused Product Managers
  • Step 3: Live product task interview, to be presented to one of our Product Managers and Data Scientists
  • Step 4: 45 minutes each with two cross-functional peers from Engineering, Design or Analytics

What do you get for all your hard work?

  • A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: This role is level PM4.
  • Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
  • 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 to the office on whichever days work best for you!
  • Other benefits;
    • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
    • Check out our new benefits package here:
    • 6% employer-matched pension in the UK
    • Company-wide performance reviews every 8 months e.g every 2 terms, in line with our termly cycles (Jan-April, May-Aug, Sept-Dec):
      • Generous pay increases for high-performers and high-growth team members
      • Equity top-ups for team members getting promoted
    • 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
    • And many more!

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 decided to shift our focus to where we can provide the most value and make the greatest impact. 


Applications are now closed