Senior / Lead Data Scientist, Cleo AI

• 5+ years in data analytics, or hybrid data/finance roles, ideally in a high-growth, product-led company
• Experience working in a tech/fintech company with Capital Markets activities
• Excellent SQL skills
• Hands-on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow)
• A solid grasp of financial and operational metrics—ideally having worked closely with FP&A, Strategic Finance, or similar teams
• Familiarity with credit exposures and facility-level reporting — understanding how utilisation, concentration, and covenant tests drive capital markets relationships
• Experience supporting multiple debt facilities or investor stakeholders, ensuring reporting is accurate, consistent, and compliant across different structure
• A bias for action and ownership—you’re excited to build from scratch, own it end-to-end, and deliver value fast/
• Strong communication skills, with the ability to work fluidly across technical and non-technical teams
• Interest in fintech and Cleo’s mission to make money easier and more human

Desirable

• We’re hiring a Senior / Lead Data Scientist, Strategic Finance (Capital Markets). This is a hands-on, high-responsibility role focused on ensuring Cleo’s debt facilities are managed with rigour, transparency, and data integrity
• You’ll own the reporting and tooling that underpin our capital markets relationships — from covenant compliance and concentration monitoring to performance pacing and drawdown requests
• Your work will ensure Cleo can both meet its obligations to lenders and scale access to capital with confidence
• This role sits within Strategic Finance and partners directly with Debt Capital Markets, FP&A, and Data teams
• You’ll be responsible for building the systems, controls, and reporting frameworks that keep investors fully informed, while also making our internal capital allocation processes more automated and efficient
• Debt Compliance & Monitoring: Own reporting for financial covenants, concentration limits, and facility triggers — ensuring complete accuracy, consistency, and proactive monitoring
• Investor Relations Q&A: Partner with Debt Capital Markets to respond to lender questions, supplying timely, high-quality data and clear explanations of performance drivers
• Capital Allocation Tooling: Build automated workflows for drawdowns, repayments, and capital allocation across facilities, reducing manual work and increasing speed of execution
• Performance Tracking: Develop dashboards that surface key warehouse and forward-flow metrics — utilisation, advance rates, arrears, and portfolio concentration — in real time
• Audit-Ready Reporting: Ensure all reporting and data governance standards meet lender expectations, external audit requirements, and internal controls
• Cross-Functional Partnering: Work with FP&A, Data, and Finance Ops to integrate facility reporting into Cleo’s broader forecasting, cash planning, and financial strategy
• If you thrive on detail, precision, and building infrastructure that lenders can trust, this role gives you the opportunity to shape how Cleo manages and grows its access to capital
• This is an AX3 or AX4 level role