cleo-2 - Senior Product Manager, Spend
Requirements
• 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. • 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.
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.
Benefits
• We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health, dental and vision insurance, mental health support, a paid one-month sabbatical after four years, a learning and 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 👈 • 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 metris. • 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!
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