• Extensive experience in data science or related roles
• Ability to write production quality code in Python and SQL
• Experience deploying machine learning algorithms into production
• Experience conducting A/B experiments & measuring impact
• Strong understanding of classification models. Ideally within risk, or more broadly with imbalanced data
• A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner
• Habits of keeping abreast of the latest research and experimenting productively with new technologies
• Experience leading data science initiatives and taking ownership of services or models
• Experience proactively influencing the ML roadmap, driving new ideas with impact

Desirable

• You’ll join the existing data science function here at Cleo; a thoughtful and collaborative team of dedicated data scientists, ML engineers, and analysts with significant industry experience that is at the heart of everything we do at Cleo
• You’ll build and deploy production models that developers will feed directly into the product. This position is essential in the expansion of both product and business
• We are highly data driven, whether that be understanding natural language, deriving insights from financial data, or determining which financial product is best suited to a user
• You’ll be working on a hugely impactful workstream, focused on the decisioning process that underpins our Cash Advance product
• You’ll be working on business critical projects that influence our lending policies and impact the users that utilise this feature
• The team focuses on understanding user’s cashflow, including payment data and risk profiles - this data is then modelled to work out credit risk for each user
• Improving our current machine learning models
• Exploring alternative modelling approaches, including deep learning
• Work closely with credit analysts to manage our credit risk and drive improvements to our credit policies
• Finding opportunities for model and product improvements in Cleo's extensive datasets of transactions, bank balances, and customer behaviour
• Understanding core problems faced by our Payments & Lending team and leading the team to overcome them - this could include understanding user’s solvency, customer segmentation, payment processing, and more!
• Impacting Cleo’s bottom line through improving our eligibility and decisioning systems
• This role will be at the DS4 level