Cleo · 1 day ago
Head of Credit Policy
United States
Full-time
Remote
Director/Executive
$196K/yr - $300K/yrCleo is a fast-growing fintech company on a mission to transform humanity's relationship with money. They are seeking a Head of Credit Policy to own the credit strategy for their lending products, influencing key decisions that will shape the company's growth and customer experience.
Artificial Intelligence (AI)FinanceFinancial ServicesFinTech
Responsibilities
Own and continuously refine the credit strategy for either EWA or BNPL, including segmentation, approval criteria and limits
Drive decisions that shape P&L outcomes, risk appetite and customer experience
Guide how Cleo expands into new segments, product variants and geographies
Partner directly with senior leadership, including the CEO, on high-stakes decisions
Build, mentor and develop analysts in your product area
Lead initiatives that improve decisioning, unlock new segments and strengthen unit economics
Stay close to the data – writing SQL, analysing performance, and interpreting experiments
Qualification
Required
Experience owning credit decisioning for a US consumer lending product
Background in EWA, BNPL, instalment lending, credit cards or similar
Track record of building and iterating credit policies with measurable results
Strong SQL and comfort working hands-on with complex datasets
Deep intuition for managing growth vs risk and customer segmentation
Experience partnering with modelling/DS teams to drive better decisioning
Ability to operate in fast-paced, ambiguous environments
Preferred
BNPL domain expertise (for the BNPL role)
Experience scaling a lending product from early-stage to mature
Exposure to warehouse lending and credit monitoring frameworks
Experience in high-growth fintech
Experience building or leading a credit strategy function
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!
Company
Cleo
Changing the world’s relationship with money.
Founded in 2016
201-500 employees
H1B Sponsorship
Cleo has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (3)
2023 (1)
2022 (2)
2021 (1)
Funding
Current Stage
Growth StageTotal Funding
$137.5MKey Investors
SofinaEQT VenturesTriplePoint Capital
2022-06-16Series C· $80M
2020-12-10Series B· $44M
2019-06-17Debt Financing
Leadership Team
Barnaby Hussey-Yeo
Founder and CEO
Recent News
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2025-11-23
Company data provided by crunchbase