Lead Product Manager, Pay Later Risk & Credit

Cleo; United States; On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Meaningful equity

Comprehensive health

Dental and vision insurance

Mental health support

Paid one-month sabbatical

Learning and development platform

Pension or retirement contributions

Location-specific leave entitlements

Job summary

Cleo is hiring a hands-on Lead Product Manager to drive Pay Later risk decisioning roadmap. You’ll build the 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 bureau data partner TransUnion, improve data quality, fight fraud, and shape regulatory-aligned credit decisions for US consumers.

Qualifications

• Hands-on fintech risk/credit experience across the ML lifecycle.
• Track record of moving business metrics on a fast-scaling product.
• Ability to thrive with limited data, ambiguity, and pending approvals.
• Strong SQL skills and ability to translate data into stories.

Responsibilities

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

Skills

Fintech risk

Credit risk

Underwriting

SQL

A/B tests

Data storytelling

Reg Z

Reg B

Tools

TransUnion

Job description

Cleo is hiring a hands-on Lead Product Manager to drive Pay Later risk decisioning roadmap. You’ll build the 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 bureau data partner TransUnion, improve data quality, fight fraud, and shape regulatory-aligned credit decisions for US consumers.