Payments Product Analyst

Overview

Join to apply for the

Payments Product Analyst

role at

Cleo . Get AI-powered advice on this job and more exclusive features. About Cleo At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating. What You'll Be Doing As a

Senior Product Analyst

in our

Payments Intelligence

team, you’ll use data to drive Cleo’s profitability. You’ll play a key role in shaping and prioritising both the strategic and tactical roadmaps that power the development of a world-class payments retry engine. You’ll define and own the core metrics that track the efficiency of our payments system, identify high-impact opportunities to optimise the timing and methods of payment collection, and balance revenue generation with cost control. You’ll sit within the wider data function, a team of 65 Data Scientists, Product Analysts, and Analytic Engineers who are central to Cleo’s work.

Lead in-depth analysis of the payments retry system to identify high-impact growth opportunities

Conduct root cause analysis on unexpected metric movements by examining user behaviour and payments data

Define and monitor KPIs to track the efficiency of our payments platform

Collaborate cross-functionally with Engineering, Product, and Data Science teams to build a market-leading payments intelligence system

Design and analyse A/B tests to measure the effectiveness of product changes

Work with Analytics Engineering to prioritise and contribute to the development of reliable, well-structured data models

Must-Have

A systems thinker: you understand the interconnected nature of the payments ecosystem and how changes affect the broader system

Several years of experience performing quantitative analysis in a digital product environment

Strong SQL skills with the ability to extract insights from complex data sources

Proven experience contributing to strategic planning, including roadmap development and initiative prioritisation

A track record of using data to proactively optimise processes and improve performance

Experience designing and interpreting A/B tests

Nice To Have

Experience working with payment systems, collections or billing

What You'll Get For Your Hard Work

This is a level 3 position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.

A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. You can view our public progression framework and salary bandings here:

https://cleo-ai.progressionapp.com/

Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures

A clear progression plan. We want you to keep growing by trying new things, leading others, challenging the status quo, and owning your impact.

Flexibility and a healthy balance to do your best work

Work where you work best. We’re globally distributed. If you live in London, a hybrid approach with some office time; outside London, occasional in-person days. Travel costs covered where applicable.

Other 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 + public holidays (+1 day per year up to 30)

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

OpenAI subscription coverage

Online mental health support via Spill

Workplace Nursery Scheme

And many more

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds. If there’s anything we can do to accommodate your specific situation, please let us know. UK app access The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app, but some features won’t be available for a while. We’re focusing on where we can provide the most value for users who need it most, with plans to support UK users in the future. By submitting this application, I confirm that all information provided is true to the best of my knowledge and that I have disclosed any previous employment with Cleo. I agree that my personal data will be processed in accordance with Cleo's Candidate Privacy Notice. Seniority level

Mid-Senior level Employment type

Full-time Job function

Research, Analyst, and Information Technology

#J-18808-Ljbffr