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About Cleo At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating. Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact. If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit. Follow us on LinkedIn to keep up to date with new product features and insights from the team.

About The Role We’re looking for a Payments Analytics Manager to lead the measurement, monitoring, and optimisation of Cleo’s payments infrastructure. This is a high-impact role at the heart of how money moves through our platform. You’ll own the frameworks, metrics, and deep-dive analyses that ensure our payments systems run smoothly, efficiently, and in a commercially sustainable way. You’ll manage a team of analysts focused on payments success, routing, and intelligence, delivering clear insights that help us optimise cost, reliability, and scalability. You’ll set the standards for monitoring and diagnosis, identify the drivers of payment performance shifts, and shape how we evaluate and implement changes across our payments systems. This role is ideal for someone who thrives at the intersection of data, systems thinking, and commercial impact. You’ll be comfortable working with complex, interconnected systems, familiar with interpreting ML model outputs and feature engineering trade-offs, and motivated by optimising for resilience, efficiency, and margin. Domain expertise in payments is a plus, but not required. What matters most is a strong analytical foundation, commercial mindset, and the ability to learn quickly. Key Responsibilities

• Payments Performance Measurement & Monitoring
• Own the design and maintenance of Cleo’s payments analytics framework, including success rates, latency, cost per transaction, recovery rates, and vendor performance.
• Own and maintain dashboards and alerts for early detection of anomalies in payment success, routing, or infrastructure stability.
• Ensure definitions, thresholds, and escalation processes are consistent, documented, and aligned across the business.
• Model Understanding & Monitoring
• Detect and diagnose feature shift or concept drift in payments routing models
• Lead investigations into deviations in success or cost, distinguishing between model-driven, operational, and external causes.
• Lead Analytical Deep-Dives
• Lead root cause analysis for deteriorations in payment success, latency, or cost efficiency.
• Quantify the commercial impact of new or changing payments features, vendors, or retry strategies.
• Forecasting & Scenario Analysis
• Produce monthly forecasts for payment costs, success rates, and vendor throughput, in collaboration with Finance.
• Build scenario models for vendor changes, volume spikes, and product roadmap shifts.
• Conduct variance analysis comparing actuals vs forecast, with clear attribution of differences.
• Team Leadership & Stakeholder Management
• Manage and mentor payments analysts, setting clear priorities and deliverables.
• Translate complex analytical findings into clear business implications for senior leadership.
• Build strong cross-functional relationships with Engineering, Product, Data Science, Commercial, and Finance.

What We’re Looking For Experience & Skills

• Strong analytical skills with fluency in SQL; experience with Python or R is a plus.
• Ability to interpret and communicate model performance metrics, feature importance, and confidence intervals.
• Background in collaborating with data science or engineering teams on feature engineering and model evaluation.
• Experience building and maintaining monitoring systems and alerting frameworks.
• Commercially minded: able to translate payments success metrics into company-level impact.
• Comfortable learning new domains quickly and navigating complex, interconnected systems.

Leadership & Influence

• Experience managing or mentoring analysts and structuring team output for maximum impact.
• Skilled at turning technical analytics into actionable recommendations for senior stakeholders.
• Able to balance urgent monitoring needs with long-term framework and optimisation work.

Nice to Have

• Familiarity with payments infrastructure, PSPs, or reconciliation processes.
• Experience working with multiple vendors and payment rails.

Exposure to fintech operations in both the UK and US. What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility. We can’t fight for the world’s financial health if we’re not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love you to spend one day a week or more in our beautiful office. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally.
• Other benefits;
• Company-wide performance reviews every 6 months
• Generous pay increases for high-performing team members
• Equity top-ups for team members getting promoted
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
• 6% employer-matched pension in the UK
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• Workplace Nursery Scheme
• And many more!

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds. If there’s anything we can do to accommodate your specific situation, please let us know. UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future. By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with CLEO. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with CLEO may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with CLEO's Candidate Privacy Notice