Lead Product Manager, Risk Decisioning

Here at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap. About The Role ✍️ We’re hiring a hands-on Lead Product Manager to drive Cleo’s 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. Key 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

Deep, hands-on experience in fintech risk, credit or underwriting - model-literate across the full ML lifecycle, from discovery to deployment

Proven record of moving business metrics (not just feature-level metrics) on a fast-scaling product

Comfort owning ambiguity - working with limited data, unproven models and pending approvals, and making the trade-offs between pricing, limits and credit risk

Strong data fluency - runs A/B tests, writes SQL, and translates data into compelling stories

Deep understanding of US consumer finance regulation (e.g. Reg Z, Reg B), with experience working alongside legal, compliance and banking partners

Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their metris.

We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.

We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!