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Product Director - Credit Builder Card, London

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Client:

Cleo AI

Location:

London, United Kingdom

Job Category:

Other

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EU work permit required:

Yes

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Job Reference:

6aed834a5c1a

Job Views:

8

Posted:

12.08.2025

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Job Description:

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.

About Cleo

Most people come to Cleo to do work that matters. Every day, we empower people to build a life beyond their next paycheck, building a beloved AI that enables you to forge your own path toward financial well-being.

Backed by some of the most well-known investors in tech, we’ve reached millions of people to support them throughout their financial lives, from their first paycheck to their first home and beyond. We're hitting headlines too. This year, Forbes named us as one of their Next Billion Dollar Startups, and we were crowned the 'Hottest Tech Scaleup' at the Europas.

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

This role involves leading our Credit Builder Card product and building it into being a core part of the overall Cleo experience. The card will be at the center of our vision to help people spend better and smash fees.

Why spend better?

Spending is inevitable. For our most vulnerable users, their daily spending choices can affect their ability to cover the most basic necessities. For Cleo, spending better is an opportunity to help people become more aware of their spending habits, understand the areas to cut down, and make smarter choices when it comes to essential spending so they get more out of their money.

Why smash fees?

Bank fees are the silent killer: they’re designed to be confusing, hidden, and unfair.

We help people make payments on time, reduce credit utilization, and ultimately improve their credit scores. We want our users to reach real-world goals and outcomes such as buying a car, renting an apartment, accessing lower-cost credit, and being free of debt.

Key Features of the Credit Builder Card:

• Enhance financial access, supporting our mission to make financial health universally attainable.
• Early Paycheck Access and Emergency Cash: Facilitate up to 2 days early paycheck access and emergency cash, crucial for alleviating financial strain.
• User-Friendly Experience: Maintain and innovate on a product with over 130k positive app reviews, ensuring it remains a trusted financial tool.
• Credit Building Subscription: Lead the development of the Credit Builder Subscription, designed to help rebuild and establish credit without debt.

You will:

• Report to our VP Growth
• Own the vision, long term strategy, and product roadmap for our credit builder card
• Hire, build, develop, and lead a high performing product management team
• Work closely with a wide range of partners in product, engineering, design, user research, partnerships, compliance and data to ensure Cleo is delivering to business and users needs
• Consistently deliver impactful initiatives that deliver immense customer value and business results

Our key requirements:

• We're looking for a Product leader with a wealth of experience from B2C high-growth investor-backed tech companies.
• Creativity. We're radically changing how people interact with and feel about their finances. You'll bring experience of building consumer credit/card products to the Cleo ecosystem
• Experience building both new products (0→1) as well as track record of shipping continuous product improvements to an existing product portfolio, ideally for a consumer-facing mobile app
• Seasoned product leadership, strategy, and vision in a growth-focused B2C environment. Experience building disruptive consumer card or credit products characterised by first-class user experience, reliability, and scalability.
• People leadership: An inspiring, engaging people leader and outstanding communicator. Proven track record in developing Product Managers, and motivating teams.
• Execution-focused product delivery and bias for action:Proven ability to build world-class products loved by users, delivering high-quality products on time and within budget.
• Cultural, mission, and values fit:Strong alignment with Cleo’s values, purpose, and culture. Suited to working in a high-growth, disruptive, founder-led company.

Why should I apply?

• Working on high impact product initiatives that solve real-world problems for customers and is a high priority business goal
• Work in a high-growth consumer tech company that has more than doubled revenue year on year
• We have a clear Product Manager career growth framework so you’ll understand from day 1 how to develop your career and improve your skills at Cleo
• You’ll be joining an open and collaborative team where you’ll be heard and get to make a difference
• You’ll have the opportunity to help shape our product practices and culture
• And to have an impact outside of your squad, working with other PMs in your pillar to define strategy and set Cleo up for success

How long will the process take?

We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

• Step 1:Video callwith a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 1 hour call with our VP Growth
• Step 3:Product task which will then be presented to our Product Directors
• Step 4: 45 minutes with cross-functional peers from design, data, engineering, and commercial45 minutes with our Founder Barney

What do you get for all your hard work?

• A competitive compensation package (base + equity) This role is PM5 level and we can pay up to £158,308 + equity. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• Hybrid-first:Join our hybrid-first team, where we blend the best of both remote and in-office work. We expect our team members to be in our London office 1-2 times a week. On Thursdays, we buy you lunch but you can come to the office on whichever days work best for you!
• Other benefits; 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits6% employer-matched pension in the UKCompany-wide performance reviews every 8 months e.g every 2 terms, in line with our termly cycles (Jan-April, May-Aug, Sept-Dec): Generous pay increases for high-performers and high-growth team membersEquity top-ups for team members getting promoted Private Medical Insurance via Vitality, dental cover, and life assuranceEnhanced parental leave1 month paid sabbatical after 4 years at CleoRegular socials and activities, online and in-personWe'll pay for your OpenAI subscriptionOnline mental health support via SpillAnd many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.