Lead Product Designer - Discovery/New Bets

At Cleo, we’re not just building a product—we’re reimagining what financial wellness can look like for millions. As a Product Designer in New Bets Discovery, you’ll play a pivotal role in exploring and shaping the future of our offering. You’ll be at the heart of Cleo’s diversification strategy, designing and validating bold new product ideas that unlock value for our users and open up new revenue opportunities for the business.

This is a high-impact, zero-to-one design role. You’ll bring fresh thinking, a strong product sense, and a passion for human-centered design to uncover unmet needs and transform early-stage concepts into compelling, testable experiences. You'll thrive in ambiguity, using your creativity and strategic mindset to design what doesn’t yet exist.

What You’ll Be Doing

• Explore New Product Spaces: Deeply understand user problems, industry trends, and Cleo’s unique strengths to identify whitespace opportunities.
• Lead Early-Stage Concept Design: Facilitate ideation sessions, sketch bold product directions, and prototype concepts that redefine what Cleo can offer.
• Validate Through Testing: Design and run lean research and testing processes to de-risk assumptions and learn fast from real users.
• Collaborate Cross-Functionally: Work closely with product managers, researchers, engineers, analysts, and commercial stakeholders to shape the future of Cleo.
• Tell the Story: Craft compelling narratives—visually and verbally—that communicate the value and potential of new ideas to the broader team.
• Build the Case: Combine customer insight with strategic thinking and data to advocate for investment in the most promising concepts.
  
  

What We’re Looking For

• Creative Vision: You’re a big-picture thinker who can imagine and design products that don’t yet exist—but should.
• Strategic Design Mindset: You love solving fuzzy problems, identifying opportunities, and designing thoughtful, end-to-end user experiences.
• Experimentation-Driven: You’re comfortable with rapid prototyping and low-fidelity testing, and you know how to validate ideas early and often.
• Collaborative Energy: You know that the best ideas come from diverse minds working together. You bring people into your process and inspire with your craft.
• Customer-Centric: You ground your design decisions in real user needs and are passionate about creating products that genuinely improve lives.
• Startup Mentality: You’re comfortable in ambiguity, energized by 0→1 work, and ready to turn vision into scrappy MVPs and prototypes.
  
  

Bonus Points

• Experience in consumer-facing fintech or personal finance products
• Background in innovation labs, new venture teams, or early-stage startups
• Strong storytelling, facilitation, and visual communication skills
• Familiarity with product discovery methods, user research, and design strategy

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. This role is levelled as PD4. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ 
• Work at one of the fastest-growing tech startups, backed by top VC firms, 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 can’t fight for the world’s financial health if we’re not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love you to spend one day a week or more in our beautiful office. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally.
• Other benefits;
• Company-wide performance reviews every 6 months 
• Generous pay increases for high-performing team members
• Equity top-ups for team members getting promoted
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
• 6% employer-matched pension in the UK
• 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
• Workplace Nursery Scheme 
• And many more!

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.

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.