Senior Product Manager, Spend

Location: United Kingdom (Hybrid) Workplace: Hybrid Most money apps talk at you. Cleo talks back ✨ We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance. The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money. We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in. Follow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥 MEET THE TEAM 👥 Here at Cleo we have ~35 Product Managers owning and running Squads across our Pillars. Product Management defines what Cleo builds and why it matters. From setting direction to prioritising what ships, Product ensures we’re solving the right problems for our users and the business. As we scale, this shifts from “managing a roadmap” to “shaping the long-term vision and impact of Cleo’s products.” ✨ ABOUT THE ROLE ✍️ We’re hiring a Senior Product Manager to own Cleo’s payment rails and money-movement roadmap - how customers bring money in, move it across Cleo products, and access it when they need it. You’ll define the future of direct deposit, internal transfers, and intelligent funding orchestration, working closely with Engineering, Risk, Compliance, and our banking and card partners. Key responsibilities - Own the roadmap for how customers move money into, around, and out of Cleo - direct deposit top-ups, internal transfers (card, EWA, secured credit card, Wealth products), and outbound movement. - Build deep fluency in US payment rails (ACH, FedNow, card network rails) and the interchange/cost structure underneath them; represent Cleo in shaping partner roadmaps with the likes of Marqeta and Mastercard. - Partner with banking and processing partners (e.g., TabaPay-type partners, partner banks) to orchestrate money movement - this is not a "we are the platform" role; it's about working fluently across multiple partners and rails. - Develop a point of view on stablecoin and crypto as a future rail for moving money in and out of Cleo, and bring that thinking into the roadmap. - Contribute to the intelligent funding orchestration vision - determining at the point of a transaction what funding source (EWA, BNPL, savings, checking) best serves the customer, with consent, and executing that agentically. - Set and communicate a clear narrative for why payment rails and money movement matter - this space is not well understood internally, and you'll need to make the case repeatedly to stakeholders who don't have payments backgrounds. - Maintain flawless execution and attention to detail on cash inflow/outflow while also building the longer-term vision. WHAT WE'RE LOOKING FOR 🕵️ Must-have - Deep, hands-on US payment rails experience (ACH, card networks, interchange economics) - recent and substantial, not adjacent. - Experience working across multiple payment partners/rails rather than as "the platform" itself - e.g., time at a card program, neobank, or fintech that works with partner banks and processors. - Comfort owning ambiguity and setting vision where none has been defined yet. - Strong narrative/storytelling ability paired with flawless execution. Nice-to-have - Fluency in crypto/stablecoin as a payment rail, with a point of view on where the industry is heading. - International payment rails exposure (e.g., UK), given Cleo's card expansion - explicitly lower priority than US rails depth. WHAT WE OFFER We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements. For the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈 WHAT MATTERS Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits. We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know. We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!