About Cleo At Cleo, we're 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. it's a chance to join ateam of brilliant, driven individuals who are passionate about making a real difference. 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. We're looking for a Data Science Manager to lead the measurement, monitoring, and optimisation of Cleo's credit performance. You'll 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, you'll 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. You'll split your time between hands-on analysis and leading the team; This role is idóneo for someone who thrives at the intersection of data, systems thinking, and stakeholder influence. You'll 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 Detect and diagnose feature shift or concept drift, ensuring model inputs remain valid and predictive. Lead investigations into performance deviations,



separating model-driven changes from macro or operational causes. Lead root cause analysis for deterioration in key metrics such as arrears spikes or yield compression. analysis - Deliver driver analysis (SHAP, feature importance, decomposition) for changes in portfolio performance.

Policy & Decisioning Support Partner with Credit Policy and Decision Science to design robust evaluation frameworks for policy changes. Quantify the marginal impact of policy shifts, controlling for macro or seasonal effects. Support elasticity and profitability modelling to optimise amounts, pricing, and feature-level decisioning.

Directly manage a team of Credit Data Scientists and Analysts — setting priorities, managing performance, and actively developing people, not just directing project work. Translate complex analytical findings into clear business implications for senior leadership. Build strong cross-functional relationships with Commercial, Product, Data Science, and Finance.

Strong analytical skills with fluency in SQL and Python Ability to interpret and communicate model performance metrics, feature importance, and confidence intervals.

Background in collaborating with decision science or data science teams on feature engineering and model evaluation.

Experience conducting large scale A/B experiments and interpreting results to drive product and business decisions Fluent in credit portfolio metrics – e.Experience building and maintaining performance monitoring systems and alerting frameworks. G. credit, fraud, marketing), including interpreting metrics like AUC/Gini, calibration, PSI/CSI,



drift Experience collaborating with commercial and finance teams on business metric forecasting Track record of taking analyses all the way through to shipped changes and measurable impact Experience directly managing a team of analysts or data scientists — including setting priorities, managing performance, and developing people, not just directing project work. Skilled at translating technical analysis into actionable recommendations for senior stakeholders.

Able to balance short-term monitoring needs with long-term framework building. Familiarity with short-term or revolving credit products. You spend most of your time in SQL and Python working directly from the warehouse.

You're used to owning analyses end-to-end — from defining the question, to pulling data, to recommending changes. You've worked with predictive models (credit/fraud/propensity/etc.) You've managed direct reports before and are comfortable owning both the quality of the team's output and the development of the people producing it. Your experience is mainly credit policy / underwriting with light analysis support.

Your primary tools are Excel, SAS, or Access, and you rarely write SQL yourself. 95,000 - £120,000 Hybrid London / £87,000 - £110,000 UK Remote ~"120,000 - £145,000 UK, Hybrid / £110,400 - £133,400 UK, Remote ~ Always with our complete support. ~ If you live in London we have a hybrid approach, we'd love you to spend one day a week or more in our beautiful office. Company-wide performance reviews every 4 months ~ Equity top-ups awarded across all levels in performance reviews ~25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days) ~Private Medical Insurance via Vitality, dental cover, and life assurance ~ Online mental health support via Spill ~ Pick your kit - choose between a Windows or an Apple computer ~ Regular socials and activities, online and in-person ~ Download the Test Flight App access for people in the UK & Europe: If you are an iOS user, please use this link to sign up to our TestFlight version of the app, so you can have a play around with the functionality and features: By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's Candidate Privacy Notice

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