Card Operations Analyst

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.


What you will be doing

  • We are looking for an operations analyst to join our credit builder card operations team.  Working cross functionally with product, engineering, compliance and our partners you will be part of the team that ensures the card product is optimized for success.

You will be responsible for:

  • Complaints management: Assist with the management of our complaints policy, including investigation and response to escalated complaints and performing quality assurance checks on tracking documents.
  • Dispute processing: Assist with the investigation and response to customer transaction disputes and credit disputes in line with our internal procedures and regulatory timeframes.
  • Quality assurance: Conduct monthly reviews and analysis on operations processes such as, credit reporting, dispute handling and complaints response to ensure we are acting in line with our procedures and adhering to any regulatory requirements.
  • Audits and testing: Assisting operations and compliance with the creation of material for external and internal compliance audits.
  • Reporting: Assist with creation of required monthly reporting to our bank partners.
  • Improving existing processes: Assisting in the creation and improvement of operations processes associated with the card product.

About you

  • You have experience solving problems in a fast moving team
  • You have an an analytical approach to your work and are comfortable working with data across different tools such as excel, google sheets, count, periscope etc
  • You are detail orientated and good at spotting trends when problem solving
  • You are customer focussed and and always operate with our end users best interest at heart
  • You are curious and always looking to improve existing processes

Nice to haves

  • Any level of SQL expertise
  • Experience working in a start up environment
  • Knowledge of the US finance landscape

What do you get for all your hard work?

  • A competitive compensation package (base + equity) with reviews every 8 months. You can view our public progression framework and salary bandings here: - This position is a BDP1 level and we can pay £31-42k p.a depending on experience.
  • 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:
    • 6% employer-matched pension in the UK
    • Company-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 members
      • Equity top-ups for team members getting promoted
    • 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
    • And many more!

Interview Process

  • 30-minute video call with Florian Rose from the Talent Team
  • 45-60-minute video call with Roisin Allum (Operations Manager) and Meghan Hutchins (Customer Operations Analyst)
  • 45-minute video call with Rachel Murray-Clarke (Head of Card Operations) and Lea Maalouf (Card Operations Lead)
  • 30-minute video call with Callan Carvey (Global Head of Business Operations and Partnerships)


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logo Cleo Operations Analyst Full-time Hybrid 📍 London Apply Now
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