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About the Role
We are hiring a Senior Product Manager to own Cleo’s payment rails and money-movement roadmap, defining the future of direct deposit, internal transfers, and intelligent funding orchestration. You will work closely with Engineering, Risk, Compliance, and our banking and card partners.
Responsibilities
- Own the roadmap for how customers move money into, around, and out of Cleo.
- Build deep fluency in US payment rails and represent Cleo in shaping partner roadmaps.
- Partner with banking and processing partners to orchestrate money movement.
- Develop a point of view on stablecoin and crypto as a future rail for moving money.
- Contribute to the intelligent funding orchestration vision.
- Set and communicate a clear narrative for why payment rails and money movement matter.
- Maintain flawless execution and attention to detail on cash inflow/outflow while also building the longer-term vision.
Requirements
- Deep, hands-on US payment rails experience (ACH, card networks, interchange economics).
- Experience working across multiple payment partners/rails rather than as 'the platform' itself.
- 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) is a lower priority than US rails depth.
Skills
- US payment rails (ACH, card networks, interchange economics)
- Crypto/stablecoin as a payment rail
- International payment rails
Experience Level
- Senior
Benefits
- 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
- Location-specific leave entitlements
About the Company
- Cleo is building the world's first AI financial assistant that understands your money and makes you better at it.
- We are profitable, fast-growing, a unicorn with over $300M in ARR, and have millions of users.
- 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.
Equal Opportunity
- Cleo's mission is to change the world's relationship with money.
- We can't do that without building a brilliant, genuinely diverse team.
- We ensure 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 are glad to make reasonable adjustments at any stage of the process.
- We may use AI-assisted tools during the recruitment process to support the team in different ways like taking notes or referring back to conversations.
- All applications are reviewed by a Cleo employee thoroughly!