Lead Product Manager, Pay Later Risk & Credit (Equity)

Cleo; United Kingdom; Hybrid; GBP 90,000 - 150,000; Full time

Benefits offered by this job

Meaningful equity

Comprehensive health

Dental and vision insurance

Mental health support

Paid one-month sabbatical after four 年

Learning and development platform

Pension or retirement contributions

Location-specific leave entitlements

Job summary

Cleo is building the world's first AI financial assistant. We’re hiring a hands-on Lead Product Manager to drive the Pay Later risk decisioning roadmap, building risk models, credit limits and policies that decide who qualifies for Pay Later and how much credit they get, leading a cross-functional squad across Engineering, ML and Risk.

You’ll collaborate with data teams and external partners, balancing growth with responsible lending and regulatory considerations across markets.

Qualifications

• Deep hands-on fintech risk, credit, or underwriting experience.
• Proven track record of moving business metrics on a fast-scaling product.
• Comfort with ambiguity and limited data.
• Strong data fluency; writes SQL and translates data into compelling stories.
• Understanding of US consumer finance regulation with working alongside legal and compliance partners.

Responsibilities

• Improve risk models from development through approval, testing and rollout.
• Set credit limits and pricing policy, including new risk grids and spending power rules.
• Own bureau data partnership (TransUnion)—what data we collect, when, and how it feeds our models.
• Spot and fix data gaps in reporting, working with central data teams.
• Build solutions to catch fraud within Pay Later.

Skills

Fintech risk

Credit underwriting

ML lifecycle

SQL proficiency

Data storytelling

Job description

Cleo is building the world's first AI financial assistant. We’re hiring a hands-on Lead Product Manager to drive the Pay Later risk decisioning roadmap, building risk models, credit limits and policies that decide who qualifies for Pay Later and how much credit they get, leading a cross-functional squad across Engineering, ML and Risk.

You’ll collaborate with data teams and external partners, balancing growth with responsible lending and regulatory considerations across markets.