Senior Product Analyst, Legal, Compliance & Policy Office: United Kingdom Remote: Portugal Sp ...

Senior Product Analyst, Legal, Compliance & Policy Office - United Kingdom (Remote: Portugal Spain UK)

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

We're hiring Cleo's first dedicated Senior Product Analyst for Legal, Compliance & Policy. This is a high-impact role focused on surfacing and scaling the insights that support Cleo's regulatory strategy, compliance operations, and policy development.

You'll bring together product, user, payments, and behavioural data to help Cleo understand how our experiences interact with regulatory expectations. Your work will support audits, licensing requirements, policy initiatives, and compliance-driven product improvements. Embedded within Legal, Compliance & Policy, you'll partner closely with Product, Engineering, and the wider Data chapter to translate complex questions into clear, actionable insight.

As the first analyst dedicated to this area, you'll be standing up Cleo's compliance insights function. If you're energised by ambiguous analytical questions, evolving regulatory contexts, cross-functional problem solving, and using data to strengthen how Cleo builds transparent, responsible products, this role is for you.

This is a level 3 position (Senior). Cleo has 5 internal levels of competency within Product Analytics.

What you'll be doing

Cross-Functional Partnership & Compliance Insight

Work closely with Product, Engineering, and other cross-functional teams to support legal- and compliance-driven product initiatives - contributing analytical insight from early discovery through to implementation.

Compliance & Policy Intelligence Infrastructure

Build dashboards and reporting layers that bring consistency and transparency to how Cleo tracks key compliance and policy indicators. In addition, build alerting & monitoring for product-health KPIs (freshness, anomalies, incident spikes, definition drift) with runbooks and ownership, ensuring issues are surfaced early and managed effectively.

Product Journey Analysis

Analyse user journeys and product interactions to understand their implications for regulatory and policy requirements. Lead root-cause investigations on compliance issues; ship fixes (definitions/tests/controls) not just analyses.

Regulatory Response & Discovery

Triage, scope, and deliver time-sensitive regulator requests with audit-ready outputs and documented assumptions.

Regulatory Licensing Insights

Use product and user data to support EWA state licensing, compliance reviews, and other regulatory processes where accurate, well-structured insight is required.

Data Governance & Definitions

Own definitions & governance for metrics that underpin Cleo's regulatory and compliance reporting - ensuring a single source of truth across the business.

What we're looking for

Must-Have

• 5+ years in product analytics, data analytics, analytics engineering, risk analytics, or similar roles in a digital or regulated environment.
• Expert-level SQL, with the ability to interrogate complex datasets and build reliable analytical foundations.
• Hands on experience with BI tools (Looker, Mode, Tableau) and comfort working with large, interconnected datasets.
• Experience conducting A/B tests end to end, including experiment design, configuration, and decision making.
• Strong governance mindset: experience owning definitions, change control, audit trails, data retention/access controls.
• Strong analytical intuition - Demonstrated structured problem solving in ambiguous, evolving compliance contexts.
• Ability to translate evolving regulatory questions into structured, data driven insights.
• Demonstrated experience influencing product or business decisions through clear, narrative driven analysis and confident communication with both technical and non technical partners.
• A bias for action, ownership, and accuracy - especially under time sensitive conditions.

Nice-to-Have

• Experience working in fintech, financial services, EWA, payments, or other regulated product lines.
• Understanding of payment systems and how payment flows interact with product behaviour.
• Prior exposure to compliance, risk, audit, policy, or regulatory projects.
• Familiarity with dbt, Airflow, or other data workflow tools.

What you'll get for 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.
• 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.

UK app access

The Cleo app is not downloadable in the UK (yet). 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.