About Cleo At Cleo, were not just building another fintech app. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.
If you're driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo's success as we scale, while growing alongside a company that's scaling fast, this might be your perfect fit.
About The Role Were looking for a Data Science Manager to lead the measurement, monitoring, and optimisation of Cleos credit performance. Youll own the frameworks, metrics, and deep-dive analyses that keep our credit products healthy and ensure that when performance shifts, we understand why and act quickly.
Sitting within the Risk & Payments pillar, youll lead a team of analysts to deliver clear, actionable insights across arrears, yield, LTV,



and portfolio performance, working closely with Credit Policy, Decision Science, Product, and Finance. Youll split your time between hands-on analysis and leading the team; This role is adecuado for someone who thrives at the intersection of data, systems thinking, and stakeholder influence. Youll be equally comfortable explaining SHAP outputs to a data scientist, talking loss economics with finance, and summarising driver analysis for senior leadership.
Key Responsibilities Credit Performance Measurement & Monitoring: Own the design and maintenance of Cleo's credit risk metric framework, including arrears, default, yield, LTV, and marginal loss rates.
Build and maintain dashboards and alerts for early detection of arrears, roll-rate shifts, and decisioning anomalies.
Model Understanding & Monitoring Partner with the Risk Modelling team to turn model health metrics (AUC, PSI, calibration, feature drift)

📌 Data Science Manager, Credit Risk Analytics (Madrid)
🏢 Cleo
📍 Madrid