Senior Credit Analyst, Cleo AI

• 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 adopting AI tools within day to day work
• 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 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
• 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