Senior Credit Risk Analyst - AI FinTech, Growth & Equity

Cleo; United States; Remote; USD 110,000 - 165,000; Full time

Benefits offered by this job

Equity

Health insurance

Paid sabbatical after 4 years

Learning & development platform

Retirement contributions

Location-specific leave

Job summary

Cleo is hiring a Senior Credit Risk Analyst to help build underwriting models and strategy within Credit Policy & Analytics. You’ll support EWA and BNPL expansions across the US and UK, using proprietary and third-party data to optimize risk and accessibility.

You will design experiments, build dashboards, and apply advanced analytics to drive portfolio performance while mitigating fraud risk. A background in FinTech credit and regulatory experience is valued.

Qualifications

• Bachelor’s degree in Engineering, Math, Finance, or another quantitative discipline; Master’s is a plus.
• 3–5 years of analytical experience, preferably in a credit risk role at a FinTech company.
• Experience designing lending products compliant with US state and federal regulations.
• Experience with SQL, Python, or other statistical modelling tools.
• Advanced Microsoft Excel skills.
• Experience adopting AI tools within day-to-day work.
• Experience/knowledge of working with A/B testing.
• Nice to have: experience with Python for data analysis (Pandas or NumPy).
• Nice to have: knowledge of state-of-the-art machine learning techniques.

Responsibilities

• Use Cleo’s proprietary and third-party data to reduce loss rates and improve customer experience.
• Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products.
• Apply quantitative analytics to understand risk drivers and recommend mitigation strategies.
• Build dashboards to monitor and report on credit product performance.
• Design, run, and analyse experiments across our credit product.
• Apply state-of-the-art techniques to combat and mitigate fraud risk.
• Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business.

Skills

Analytical thinking

SQL

Python

Excel

A/B testing

AI tools adoption

Education

Bachelor's in Quantitative field

Master’s preferred

Tools

SQL

Python

Pandas

NumPy

Excel

Job description

Cleo is hiring a Senior Credit Risk Analyst to help build underwriting models and strategy within Credit Policy & Analytics. You’ll support EWA and BNPL expansions across the US and UK, using proprietary and third-party data to optimize risk and accessibility.

You will design experiments, build dashboards, and apply advanced analytics to drive portfolio performance while mitigating fraud risk. A background in FinTech credit and regulatory experience is valued.