Note: The job is a remote job and is open to candidates in USA. Cleo is a fast-growing fintech company on a mission to change humanity's relationship with money. They are seeking a Senior Credit Analyst to build credit underwriting models and strategies, leveraging data science and analytics to manage credit risk and support the growth of their portfolio.
Responsibilities
- 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
Skills
- 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
- Experience with Python for data analysis with Pandas or Numpy
- Knowledge of state of the art machine learning techniques
Benefits
- A competitive compensation package (base + equity) with 3-annual reviews, aligned to our termly OKR planning cycles.
- 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 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.
- Company-wide performance reviews 3 times per year
- 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) (This amount can vary outside of the UK)
- 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
Company Overview
Company H1B Sponsorship