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.

About The Role

We're hiring a Senior / Lead Data Scientist, Strategic Finance (FP&A). You'll own FP&A analytics end-to-end working closely with the Head of Commercial FP&A, and proactively shaping the relationship with the wider Strategic Finance team. You'll build the tooling, reporting, and lightweight models that FP&A and the wider business rely on to make decisions, and translate the metrics and drivers behind them so business stakeholders can act on them. You'll partner with Product, Data, Engineering, and the CEO's office on the work that shapes our financial strategy - scenario modelling, cohort analysis, and the systems that monitor how we're tracking against plan. You'll sit within a wider Commercial Analytics team, with this being the first role fully dedicated to the automation and reporting layer within Strategic Finance.

What You'll Be Doing

Build the decision-support tooling behind our financial statements - revenue, gross profit, operating costs, cashflow. Lightweight models where they help; clear analysis where they don't.
Translate proposed product and business changes into their commercial impact before they ship - scenario modelling revenue, margin, and KPI effects so decisions are made with the numbers in front of them.
Own the weekly trading metrics: how we're tracking vs. targets, deep dives into the drivers behind the numbers, and using that to influence business decisions.
Proactively identify issues and opportunities. Spot where the business is drifting (or where there's upside on the table) and surface it with a clear point of view.
Automate recurring finance workflows: investor reporting, board prep, financial close tasks.
Work cross-functionally with Commercial, Product, and Engineering to define and maintain the data models behind executive and operational decisioning.
Own the reporting architecture - dashboards, semantic layers, and pipelines that underpin financial and strategic reporting.
Improve documentation and data governance so the numbers can be trusted across internal and external reporting.

What We're Looking For

5+ years in data analytics, data science, BI engineering, analytics engineering, or hybrid data/finance roles, ideally in a high-growth, product-led company.
Experience owning analytical systems end-to-end at a company level, including some exposure to modelling (scenario, cohort, simple predictive).
Strong grasp of financial and commercial metrics - ideally from working closely with FP&A, Strategic Finance, Commercial or similar teams.
Comfortable presenting and defending analysis at senior forums, with a track record of shaping decisions at executive level.
Hands-on with BI tools (e.g. Looker, Mode, Tableau)
Expert SQL.
A builder's instinct: bias for automation, ownership, and shipping.
Comfortable using AI tools (Claude, Cursor) as leverage - with the judgement to know when to trust output and when to verify.
Interest in fintech and Cleo's mission to make money easier and more human.

Nice to have

Experience with dbt modelling
Prior experience automating or supporting investor-facing reporting or board materials.
Experience working in environments with a blend of consumer tech and financial services (e.g. AI, lending, credit, payments).
Time-series forecasting experience.
Python (or similar) for scripting and automation.
Workflow orchestration tooling (e.g. Airflow).

What do you get for your hard work?

A competitive compensation package (base + equity) with 3-annual reviews, aligned to our termly OKR planning cycles.
This is an AX3 or AX4 level role:
AX3 banding: £74,266 - £96,126 Hybrid London or £69,699 - £90,657 UK Remote
AX4 banding: £94,059 - £119,128 Hybrid London or £88,938 - £113,489 UK Remote
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 4 months
Generous pay increases for high-performing team members
Equity top-ups for team members getting promoted
25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
6% employer-matched pension in the UK
Private Medical Insurance via Vitality, dental cover, and life assurance
Enhanced 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
Workplace Nursery Scheme
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/fDG9hWng

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

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Senior / Lead Data Scientist, Strategic Finance (FP&A)

Cleo

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