Role Overview

We’re looking for a Lead / Senior Data Scientist to help us measure, monitor, and improve the performance of Cleo’s credit products.

This is a hands‑on data science and analytics role. You’ll be analysing behaviour across millions of US users, using rich transactional and behavioural data that powers Cleo’s AI money coach and credit products. You’ll spend the majority of your time in SQL and Python, working directly from Cleo’s data warehouse to understand, explain, and improve credit performance. You’ll be the analytics owner for (EWA / specific product), with direct line of sight to losses, revenue, and product roadmap. You’ll work closely with other analysts, Risk Modellers, Product Managers, and Engineers to diagnose portfolio trends, build monitoring frameworks, and deliver insights that inform how Cleo manages and optimises risk.

You’ll sit within the Risk & Payments pillar, working at the intersection of data, decisioning, and produc...