Credit Analyst, Cleo AI
Credit Reporting
$100-150k
Salary applies to US only. Plus Equity
AI personal finance assistant
Open for applications
AI personal finance assistant
501-1000 employees
Open for applications
$100-150k
Salary applies to US only. Plus Equity
501-1000 employees
Company mission
To change the world’s relationship with money.
Role
Who you are
- Global Exposure: Gain rare, hands-on experience with both US and UK credit reporting systems (Metro2 and CAIS), developing a highly specialized global skill set
- Direct Ownership: You aren't just maintaining a process; you are building it from scratch, moving from outsourced legacy systems to an in-house build
- Product Variety: Work across a diverse portfolio including the Credit Builder Card, BNPL, and future credit products
- Career Growth: This role offers a clear path for technical skill development in SQL and database management within a fast-scaling Fintech
- We’re flexible on years of experience but you must have worked within US consumer credit lenders
- High proficiency in SQL is a must; you should be comfortable querying databases to generate formatted output files
- Reporting Expertise: Proven experience with Metro 2 file generation and eOSCAR dispute management is essential
- A background in Fintech or at a credit bureau is essential. We value candidates who have worked with software providers or at small fintechs that built reporting in-house
- Familiarity with CAIS (UK) reporting is a nice to have but not essential
What the job involves
- We are seeking a Credit Analyst to lead the technical implementation of our in-house credit reporting systems, with a primary focus on bureau reporting in the US and UK
- As we migrate our Credit Builder Card product, your core mission will be to ensure our customers' credit data is accurately reported through the generation and management of Metro 2 (in US) and CAIS (in UK) files
- This is a technical, hands-on role where you will be the primary owner of our reporting infrastructure
- You will build and maintain the SQL scripts required to produce industry-standard reporting files and serve as the point of contact for resolving credit disputes via eOSCAR
- You will be at the forefront of moving our credit reporting functionality from outsourced legacy systems to a scalable, in-house global reporting engine
- Build & Maintain Infrastructure: Create and maintain complex SQL scripts to extract customer data and generate Metro2 (US) and CAIS (UK) files for credit bureau reporting
- Manage Disputes: Act as the point of contact for handling and resolving disputes regarding credit bureau information via eOSCAR
- System Migration: Support the transition of the Credit Builder Card product to our internal database, ensuring no gaps in reporting during the sunsetting of legacy systems
- Stakeholder Collaboration: Work closely with the Risk team and diverse product teams to align reporting requirements across the organization
- Global Expansion: Help lay the groundwork for expanding our reporting capabilities into new products like BNPL and new geographies
Our take
People are increasingly not satisfied with the products being offered by traditional banks, which have proven slow to react to the needs of younger consumers who expect more from their everyday experiences.
Cleo was one of the first companies to make great use of chatbots that sit within Facebook's messenger app. This chatbot-first approach and Gen Z user base have given it strong virality. It now has millions of registered users, 99% of which are based in the US, leading to a decision to take a year break from the UK market to focus on its US Gen Z customers. And after a successful year in the US its now eyeing up a return to the UK.
Its Series C funding will help the company to double down in the US, where it will make a significant increase in employee headcount, and enable Cleo to maintain and expand its service during an economic downturn.
Financial advice delivered via bots is a crowded space, so Cleo benefits from having a strong brand presence. It has gone for very bold, fun, Gen Z-focused messaging which helps it to stand out from competitors such as Emma, Plum, and Chip.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 6 rounds)
Jun 2022
$80m
SERIES C
Dec 2020
$44m
SERIES B
Total funding: $137.7m
Company benefits
- Meaningful equity with early exercise, plus top-ups on promotion
- Primary caregiver: 18 weeks at full pay / Secondary caregiver: 6 weeks full pay, 6 weeks half pay (dependant on tenure)
- Paid 1-month sabbatical every 4 years
- Comprehensive health, dental & vision insurance
- Learning & development training platform
- Mental health support via Spill
- Company-wide performance reviews every 4 months
- We’ll cover your OpenAI or Claude subscription
- 6% 401K 🇺🇸
- 15 days PTO and 5 rolling days 🇺🇸
- Pension match up to 6% 🇬🇧
- Life assurance 🇬🇧
- 25 days annual leave + an extra day for every year you’re at Cleo (up to five accrued days) 🇬🇧
Company values
- Make it Happen - Own the outcome. Lend a hand, take a hand. Fast execution.
- No bullsh*t - Intellectually honest. Go hard on problems, not people. Data-backed decision making.
- Learn at Speed - Jump in and figure it out. Dig deep, do it right. Learn what matters.
- Bring Good Vibes - Read the room, lift the room. Show up for others. Keep it real, keep it positive.
Company HQ
Finsbury, London, UK
Leadership
Barnaby Hussey-Yeo
(Founder & CEO)Previously a Data Scientist at Wonga, one of the companies that pioneered the smart use of data for loan decisions. Joined Entrepreneur First where Cleo was formed.
Diversity, Equity & Inclusion at Cleo AI
- We’ve set up an internal committee of truly passionate people that are dedicated to ensuring Diversity and Inclusion is embedded in how we all operate as a team. We agree on meaningful actions, and get on with implementing them. We have three main focuses right now, which are:
- 1) Improving SocioEconomic diversity across the company
- 2) Increasing the number of women in Leadership roles
- 3) More community outreach
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