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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 $380 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.
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About The Role
As Cleo has grown, so has the scale and complexity of the cash moving through the business.
Reporting to the VP of Finance, you will own Cleo’s treasury strategy and operations across liquidity management, cash forecasting, banking infrastructure, funding operations and controls.
Today, these responsibilities sit across FP&A, Finance and Capital Markets. You will bring them together into a scalable treasury function built for a rapidly growing consumer lending platform operating across multiple facilities and geographies.
This is a leadership role with real operational ownership. You will set the strategy and strengthen the systems, controls and operating rhythms required for scale, while remaining close enough to the detail to understand how cash moves and step in when needed.
You will partner closely with Finance, Capital Markets, Engineering, Data Science and Banking partners. Capital Markets will continue to lead facility strategy, structuring and financing relationships; Treasury will own the liquidity planning, cash execution and operational infrastructure that allow those facilities to run effectively.
This is an opportunity to shape a critical function at one of the fastest-growing, most AI-native fintechs.
What You'll Own
Liquidity strategy and forecasting
- Own Cleo’s group-wide liquidity strategy and build short, medium, and long-term forecasts across entities, currencies and funding sources.
- Give leadership and all cross-functional teams a clear view of cash, liquidity headroom and funding capacity, with early visibility of emerging constraints.
- Translate forecasts into recommendations on capital allocation, liquidity buffers and future funding requirements.
Treasury & Funding Operations
- Own daily cash positioning, cash movements, and support finance with payment approvals and reconciliation, across entities and currencies.
- Run the treasury operations supporting Cleo’s lending facilities, including drawdowns, repayments, settlements and collateral movements.
- Partner with Capital Markets to ensure facilities operate efficiently and liquidity is deployed effectively.
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Banking infrastructure & controls
- Partner with Core Finance and Finance Operations to strengthen cash controls, reconciliations and audit readiness.
- Establish treasury policies and governance that support scale and public-company readiness.
- Support Cleo’s banking infrastructure and treasury banking relationships.
Systems, data & automation
- Define the roadmap for treasury systems, data and automation, reducing reliance on manual processes and fragmented spreadsheets.
- Partner with Engineering and Data Science to improve the data and systems underpinning cash forecasting and treasury operations.
- Build clear reporting and dashboards across liquidity, funding capacity and facility utilisation.
Operating rhythm & team
- Establish operating rhythms across FP&A, Accounting, Capital Markets, Engineering, and Operations to ensure cash movements and forecasts are coordinated, transparent, and auditable.
- Scope and hire your first Treasury Operations team member, then grow the function as the business does.
FX hedging & FX strategy
- Own Cleo’s FX strategy - identify, measure and manage currency exposure across a multi-currency, multi-geography business.
- Run and improve the hedging programme: set the FX risk policy, select the right instruments, and execute hedges to protect margin and cash flows.
- Partner with Finance and Capital Markets on the FX impact of funding, intercompany flows and cross-border cash movement, and report exposure and hedge effectiveness to leadership.
What We're Looking For
Must-haves
- You've built treasury before. You've stood up or materially transformed a treasury function - not just run one that already existed - in fintech, consumer lending, financial services, or another highly regulated environment.
- Consumer-lending fluency. You understand the cash flow dynamics of a lending book: warehouse facilities, borrowing bases, receivables financing, settlement flows, and bank partnerships — and you're comfortable supporting multiple concurrent facilities alongside a Capital Markets team.
- Hands-on and strategic. You enjoy building from first principles - the operating model, the controls, the systems - and you'll happily approve a wire and design the policy that governs it. You'll be the de-facto lead on how cash moves across the business.
- Forecasting and analytical rigour. You've built forecasting models and frameworks that our leaders actually make decisions on.
- Cross-functional influence. You can bring Finance, Accounting, Capital Markets, Engineering, Product, and Operations along with you, and explain complex treasury concepts to an exec audience.
- Bias to action, zero ego. This role exists because complexity is outrunning capacity; you'll ship a better setup quickly.
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Nice-to-haves
- Experience taking a company through IPO readiness prep, or operating within a public-company treasury organisation.
- Experience implementing or optimising a Treasury Management System (TMS) and automation tooling.
- CPA, CFA, or CTP a plus.
What Do You Get For All Your Hardwork
- 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. Our US team works fully remotely, but we host virtual socials and an annual company offsite in Europe with all expenses paid.
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 + 5 additional floating flexible days per year + public holidays (+ an additional day for every year you spend at Cleo)
- 1 extra day a year to be used for learning and 1 extra day for volunteering
- 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.
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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