Senior Product Manager, Cleo

• ML Acumen: Demonstrated experience collaborating with ML teams to optimise decision engines, translating business objectives into ML-driven outcomes
• Consumer Product Insight: Proven background in dynamic consumer-focused product companies, with a strong sense of how to align customer needs with business impacts. Experience in fintech or subscription-based models is a plus
• Execution: Experience launching complex payment systems and crafting long-term experimentation plans
• Data Proficiency: You’re deeply familiar with success rate metics, COGS, and LTV, with the expertise to influence them positively
• Technical and Regulatory Knowledge: Comfort discussing technical details such as APIs, retry logic, and the strategic reasoning behind US payment regulations

Desirable

• As Cleo’s Senior Product Manager for Payments Intelligence, you will take ownership of the payment systems that optimise how and when we take payments to balance revenue and costs, while preserving customer trust
• This pivotal role is central to reducing payment arrears and minimising involuntary churn while keeping Cost of Goods Sold under control, ensuring that our users can continuously access Cleo's features without disruption
• You will work closely with a cross functional team including Engineers, ML engineers and Analytics to enhance our Payments Systems including Payments Decision Engine (PDE) and lead strategic initiatives that effectively balance user trust, revenue impact, and cost efficiency
• Strategic Leadership: Direct the end-to-end repayments strategy, designing and refining payment flows to boost success rates while maintaining a seamless customer experience and keeping COGS under control
• Problem Resolution: Address high-stakes challenges by developing intelligent retry logic and recovery workflows, thus safeguarding revenue and preventing customer alienation
• Commercial Insight: Conduct detailed analyses of payment success rates, processing fees, and cost trade-offs to optimize Cleo’s payment architecture and methods
• Regulatory Navigation: Guarantee compliance with complex US payment regulations, including NACHA rules and card network policies
• Cross-Functional Collaboration: Partner with teams across ML, engineering, analytics, compliance, commercial and customer support to scale systems that handle millions of transactions daily
• User Advocacy: Combine empathy and pragmatism to create transparent payment processes that align with customer expectations and enhance trust