About The Position
Cleo is hiring a hands-on Lead Product Manager to drive the Pay Later risk decisioning roadmap. The role involves building the risk models, credit limits, and policies that determine who qualifies for Pay Later and how much credit they receive. The Product Manager will lead a cross-functional squad spanning Engineering, Machine Learning, and Risk.
Requirements
- Deep, hands-on experience in fintech risk, credit, or underwriting, with model literacy across the full machine-learning lifecycle from discovery to deployment.
- A proven record of moving business metrics on a fast-scaling product, rather than only feature-level metrics.
- Comfort working through ambiguity with limited data, unproven models, and pending approvals, while making trade-offs among pricing, limits, and credit risk.
- Strong data fluency, including running A/B tests, writing SQL, and translating data into compelling stories.
- Deep understanding of US consumer finance regulation, such as Reg Z and Reg B, and experience working with legal, compliance, and banking partners.
Responsibilities
- Improve risk models and take them through approval, testing, and rollout.
- Set credit limits and pricing policy, including new risk grids and spending power rules.
- Own the TransUnion bureau data partnership, including what data is collected, when it is collected, and how it feeds into models.
- Identify and address gaps in data and reporting in partnership with central data teams.
- Build solutions to detect fraud within Pay Later.
Benefits
- Meaningful equity.
- Comprehensive health, dental, and vision insurance.
- Mental health support.
- A paid one-month sabbatical after four years.
- A learning and development platform.
- Pension or retirement contributions.
- Location-specific leave entitlements.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
