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Cleo

Product Analyst, Fraud

On site

London, United kingdom

Full Time

11-01-2026

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Skills

SQL Monitoring Decision-making Machine Learning Analytics Strategic Planning Data Science

Job Specifications

About The Company

About Cleo

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team 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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

About Cleo

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team 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.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.

About The Role

As Cleo scales quickly, builds new products, and welcomes more users, you’ll help keep our platform secure and our growth sustainable. Using data-driven insights, you’ll turn rich user data into real impact, cutting down fraud and strengthening our decision-making. You’ll also partner with third-party providers, assessing their value and integrating their data into Cleo’s core systems.

In addition, you’ll be responsible for understanding and monitoring how our fraud rules impact trusted customers, ensuring our flows remain as seamless as possible. You’ll frequently run A/B tests to refine our approach, driving continuous improvements to both the product and overall user experience.

You’ll also sit within the wider data function here at Cleo; a hotshot chapter of 80 Machine Learning Engineers, Product Analysts, and Analytic Engineers with significant industry experience who are at the heart of everything we do at Cleo.

Key responsibilities

Define key fraud metrics and track KPIs to assess true risk to the company and our users
Dig deep into our user behaviour and payments data to identify features indicative of potential fraud
Collaborate with fraud investigators, to identify trends, optimise existing rules and create new ones if necessary, aiming to prevent future losses
Work alongside our engineering, product, and data science partners to build a best-in-class fraud prevention, detection and response framework
Collaborate with and assess potential third party partners that can supplement customer data or make more precise risk decisions.

About You

Experience doing quantitative analysis within a digital product environment
Exposure to both user facing product analytics as well as back-end process improvements.
Proven track record of proactively conducting root cause analysis, and/or optimising existing processes.
Strong SQL skills with the ability to extract insights from complex data sources.
Comfortable with defining metrics from scratch and creating dashboards
Familiarity with conducting large-scale A/B experiments
Proven experience contributing to strategic planning, including roadmap development and initiative prioritisation.

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About the Company

Cleo. Where AI meets money. Cleo launched in 2016 by people who have been burned by banks. Fed up with the broken system, we decided it was time to make a change. Since then, the cost of living has skyrocketed, the rich have continued getting richer, and our vision has only become clearer. Our mission? To change the world's relationship with money. Cleo is a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how we feel about our finances. Usi... Know more