Principal Product Manager - Credit

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 $300 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 The Role
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 The Role**
We are hiring for multiple product roles within our Credit pillar, to launch modern credit products from scratch. As a Principal Product Manager, you'll work closely with a cross-functional squad of engineers, designers, data scientists, analysts and writers on the user experience for our credit products.
**Key Responsibilities**

• Leading on product strategy for Cleo’s Credit experiences
• Collaborating closely with engineers, data scientists and analysts to launch key new products with a global focus
• Defining and track success metrics related to customer engagement, retention, and financial well-being
• Prioritising high-impact opportunities and ruthlessly focus your squad on what matters most
• Ensuring your squad is aligned and involved in product direction and key decisions
• Continuously iterating on the product based on user insights, data, and testing outcomes

**What We’re Looking For**

• You should ideally have several years of relevant experience and passion for growth focused work at a senior level
• Experience in consumer-facing credit for the US market
• You can share mobile app focused work that shows a proven track record of high quality execution in high-growth, fast-paced and product-led businesses
• Strong prioritisation skills with the ability to focus your team on impactful work
• Collaborative and inclusive leadership style with a track record of empowering cross-functional teams
• Ability to clearly communicate product decisions and trade-offs to stakeholders
• Creativity in approaching product challenges and rethinking how people manage their finances
• High energy and ownership mindset with a focus on driving measurable outcomes
• Passion for building tools that improve users’ financial lives through engaging, meaningful conversations

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility. We can’t fight for the world’s financial health if we’re not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work
• Work where you work best. We’re a globally distributed team. 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. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally

**Other Benefits**

• Company-wide performance reviews every 6 months
• Generous pay increases for high-performing team members
• Equity top-ups for team members getting promoted
• 15 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 401k matching
• Medical Insurance, Dental and Vision care
• Generous Parental Leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

Welcoming Everyone
We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.
If there’s anything we can do to accommodate your specific situation, please let us know.
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: https://testflight.apple.com/join/fDG9hWn
Compensation range

• United States: $160,000 - $200,000 gross annually\*
• Other locations: Compensation will be discussed during the interview process
• Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

*By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Cleo AI. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Cleo AI may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's*
*Candidate Privacy Notice*
Compensation range

• United States: $160,000 - $200,000 gross annually\*
• Other locations: Compensation will be discussed during the interview process
• Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Cleo AI. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Cleo AI may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's Candidate Privacy Notice