Card Operations Manager

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 $200 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 an Operations Manager aligned to Cleo's credit products and UK expansion, you will be leading initiatives and collaborating across Product, Legal and Compliance, and our Bank and Payments Partners. You'll ensure we can launch, scale, and continuously improve our credit offerings while staying aligned with bank and regulatory requirements. You'll manage external partner relationships, streamline processes, and drive operational excellence across multiple work streams in a fast-paced, highly autonomous environment.

Some Of The Things You'll Get Involved With

• Act as the primary operational bridge between Product, Legal, Compliance, Fraud, Risk, and external partners. Build a deep understanding of the card and other new products and think ahead to the impact on bank and operational workflows.
• Manage day-to-day interactions with the partner bank and third-party providers, maintaining strong relationships across external partners and fostering strategic collaboration for long term growth
• Develop scalable operational processes for new credit products and monitor reporting to identify trends and anomalies, and create action plans to address identified issues.
• Lead end-to-end operational program management, partnering closely with product teams to deliver change requests, provide required documentation, and drive timely decision-making and approvals.
• Support expansion into new markets starting with the UK by planning and coordinating operational requirements, partnering with Legal and Compliance on complaints and regulatory obligations, and creating playbooks to ensure scalable, repeatable processes.

What are we looking for?

• You have 4+ years of experience in program management, operations, payments, banking, card programs, or a similar role (fintech or startup experience is a strong plus)
• You are an excellent communicator who can frame problems clearly, tailor messages to different audiences, and manage communication with external partners
• You are detail oriented and good with numbers. You're able to analyze data, detect risks, and present clear narratives.
• You have experience running complex, multi-stakeholder initiatives end-to-end, including planning, prioritisation, and keeping parallel workstreams moving.
• You proactively identify risks, improve processes, and implement practical solutions that balance speed with control.
• You're organised, detail-oriented, and confident managing approvals, documentation, and reporting in regulated environments.
• You're comfortable operating with ambiguity, thrive in a fast paced environment, and are able to adapt as priorities shift.

Nice to haves

• Experience working with partner banks or regulated financial institutions, comfortable navigating and challenging varying risk appetites.
• Experience with card programs, lending products, or payments (e.g., debit cards, credit cards, BNPL, loans, etc.).
• Experience with complaints management or regulatory operations in financial services.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with reviews every 6 months.
• 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 1-3 times a week. On Wednesdays, 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 6 months
• 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

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