Note: The job is a remote job and is open to candidates in USA. Cleo is hiring a hands-on Lead Product Manager to drive the Pay Later risk decisioning roadmap. The role develops risk models, credit limits, and policies that determine eligibility and credit amounts, while leading a cross-functional team across Engineering, ML, and Risk.

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

Skills

• 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

Benefits

• Meaningful equity (benefits vary by country)
• Comprehensive health, dental and vision insurance (benefits vary by country)
• Mental health support (benefits vary by country)
• A paid one-month sabbatical after four years
• A learning and development platform (benefits vary by country)
• Pension or retirement contributions (benefits vary by country)
• Location-specific leave entitlements

Company Overview

Company H1B Sponsorship