Senior Credit Analyst, Cleo AI

• Ideal for someone who thrives in fast-moving, ambiguous environments and loves solving complex problems
• A great fit if you care about responsible credit and want to make real impact while growing as an analyst
• Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Masters degree is a plus
• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company
• Experience in designing lending products compliant with US state and federal regulations
• Experience in SQL, Python or other statistical modeling tools
• Advanced Microsoft Excel skills
• Experience/knowledge of working with A/B testing

Desirable

• We're seeking Senior Credit Risk Analyst's to help us build our next generation of credit underwriting models and strategy
• We are expanding our credit offerings, with BNPL, Installment Loans and more. EWA is a scaled flagship product that's still growing 2x every year. And we are growing across multiple geographies
• You will have the opportunity to relentlessly leverage data, data science, experimentation and analytics to understand and manage credit risk and enable profitable growth of our portfolio
• You will work closely with our data science, product, engineering, and finance teams and will interact with business stakeholders across many departments
• Leverage Cleo’s proprietary data and third party data to reduce loss rates and improve customer experience
• Optimize our risk thresholds, policies and strategy to expand member access and eligibility criteria of our credit products
• Apply your expertise in quantitative analytics to understand drivers of risk and suggest strategies to mitigate them
• Build dashboards to monitor and report the performance of credit products
• Design, execute, and analyze the results of experiments across our credit product
• Leverage state of the art techniques to combat and mitigate fraud risk
• Willingness to challenge the conventional thinking and try new ideas to solve complex business problems
• Maintain a strong data driven culture within the company by interacting with diverse internal functions
• Work on one of Cleo’s most important levers: credit decisioning for our consumer lending products
• Support scaled products like EWA and new launches like BNPL as they grow across the US and UK
• See your analysis directly influence credit policy, portfolio performance, and customer outcomes
• Get hands-on technical ownership with exposure to high-impact decisions and senior stakeholders