[Hiring] Senior Credit Risk Analyst @Cleo

Role Description

We're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK.

• Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience
• Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products
• Apply quantitative analytics to understand risk drivers and recommend mitigation strategies
• Build dashboards to monitor and report on credit product performance
• Design, run, and analyse experiments across our credit product
• Apply state-of-the-art techniques to combat and mitigate fraud risk
• Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business

Qualifications

• Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus
• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company
• Experience designing lending products compliant with US state and federal regulations
• Experience with SQL, Python, or other statistical modelling tools
• Advanced Microsoft Excel skills
• Experience adopting AI tools within day-to-day work
• Experience/knowledge of working with A/B testing
• Nice to have: experience with Python for data analysis (Pandas or NumPy)
• Nice to have: knowledge of state-of-the-art machine learning techniques

Benefits

• Meaningful equity
• Comprehensive health insurance
• Mental health support
• A paid one-month sabbatical after four years
• A learning & development platform
• Pension or retirement contributions
• Location-specific leave entitlements