Innovation Lead, Cleo

• 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
• A strong background in the consumer fintech ecosystem is essential, as you will need expert knowledge to drive developments that meet the evolving demands of our customers
• Visionary Thinking: You’re a creative force with an innate ability to generate and champion bold, transformative ideas
• Strategic Innovator: You combine imagination with sharp analytical thinking to identify opportunities and shape them into actionable strategies
• Thrives in Complexity: You excel in navigating unstructured environments, bringing clarity and focus to undefined challenges
• Dynamic Collaborator: You bring people together to co-create, driving alignment and inspiration across teams
• Customer-Centric Mindset: You deeply understand and empathise with customer needs, crafting ideas that deliver both delight and tangible value
• Proven Innovator: You have experience in consumer fintech 0→1 product development and have a track record of originating innovative concepts which drive to successful outcomes
• Action-Oriented: While you’re a dreamer, you’re also a doer, eager to translate big ideas into tangible, testable concepts
• A proven track record of originating and developing groundbreaking ideas that have led to impactful business outcomes
• Exceptional communication and storytelling skills to inspire and align diverse stakeholders
• A mix of creative instinct and rigorous problem-solving to balance boldness with feasibility
• Deep experience in consumer-facing products (B2C); fintech experience is a must
• Familiarity with customer research, market analysis, and strategic validation methods

• 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
• As Innovation Lead, you’ll be at the forefront of driving Cleo’s diversification strategy, leading the discovery of high-impact New Bets that redefine our product offering and expand our revenue streams
• You will thrive in ambiguity, marrying imaginative creativity with sharp strategic thinking to generate and validate ideas that have the potential to shape Cleo’s future
• This isn’t just about process—it’s about envisioning what’s next
• You’ll be a creative powerhouse and a catalyst for innovation, bringing bold, unconventional ideas to life and fostering a culture of experimentation
• Success in this role is measured by the strength and originality of the concepts developed, as well as their potential impact on Cleo's customers and business
• Develop deep understanding of user problems, the competitive landscape, and Cleo’s right to win in new spaces
• Run ideation and brainstorming sessions to generate early-stage concepts that can diversify Cleo’s product offering
• Engage with internal and external experts to sharpen thinking and improve the quality of concepts
• Collaborate with cross-functional partners (design, research, engineering, analytics, commercial) to shape and evolve ideas
• Map key assumptions and coordinate scrappy testing plans with research and analytics to validate early-stage concepts
• Build compelling, data-informed cases for why Cleo should invest in the concepts you’ve developed
• Challenge conventional thinking and surface bold ideas aligned with Cleo’s mission and customer needs
• Uncover Opportunities: Partner with Research and Product Marketing to identify unmet needs, whitespace, and emerging trends
• Develop and iterate on concepts with clear value propositions and a path to commercialisation
• Draw on the expertise of cross-functional teams to refine and strengthen ideas throughout the process

• We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other
• Step 1: 30 mins video call with a member of our Talent Team to find out more about your experience and why you’re potentially interested in Cleo
• Step 2: 1 hour with the Hiring Manager - Tom May, Product Director - New Ventures
• Step 3: Take home task interview, presented to two of our Product team
• Step 4: 45 minutes each with two cross-functional peers

• 25 days of Annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 401k matching in the US and 6% employer-matched pension in the UK
• Online courses, £150 annual budget & internal training to level up your skills
• Regular socials and activities, online and in-person
• Online mental health support via Spill
• 1 month paid sabbatical after every 4 years with Cleo
• OpenAI Plus subscription
• Electric vehicle salary sacrifice scheme and cycle-to-work scheme
• Life assurance and income protection via AIG
• Medical insurance via Axa and Healthcare cash plan via Medicash
• Performance reviews every 8 months. Generous pay increases for high performers and high-growth team members. Equity top-ups for team members getting promoted

Total funding: $137.5m

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.