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.
About The Company
Cleo is a rare success story: a profitable, fast-growing unicorn with over $300 million in ARR and over 2x year-over-year growth. 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 an accelerating company, this might be your perfect fit. Follow us on LinkedIn to keep up-to-date with new product features and insights from the team.
About The Role
(Senior) Machine Learning Engineers at Cleo build novel solutions to real-world problems. This could involve creating chatbots to coach our users around their financial health, creating classifiers to better understand transaction data, or optimising transactions within our payments platform. Ultimately, we're looking for a brilliant (Senior) Machine Learning Engineer to join us on our mission to fight for the world's financial health. You'll be leading technical work within a team of adaptable, creative and product-focused engineers, who train & integrate cutting‑edge machine learning across a variety of products and deploy them into production for millions of users.
What You'll Be Doing
* You'll be joining the Machine Learning Growth team, either on Marketing or Personalisation.
* Deploying these models into our production environments using our in‑house ML platform, or integrating with LLMs hosted by OpenAI, Anthropic, GCP, AWS and others.
* Working cross‑functionally with back‑end engineers, data analysts, UX writers, product managers, annotation teams, and others to ship features that improve our users' financial health.
* Taking the initiative to propose & lead technical work toward problems that were previously unknown or poorly understood, driving change at the chapter level that affects multiple squads.
* Keeping Cleo at the forefront of NLP by driving adoption of state‑of‑the‑art techniques and communicating the team's successes and learnings at the company level and beyond.
* Mentoring & advising colleagues on their choices of models, architecture, and evaluation, promoting best practices for how we use LLMs.
Examples of Product Feature Work Our ML Engineers Have Taken Part In Over The Last Year
* Building AI Agents to explore and derive insights from users transactional data.
* Developing deeper understanding of users finances through models extracting meaning from transactional data.
* Developing contextual intent classifiers to understand what conversations users are having with Cleo, enabling control of how Cleo should respond.
* Building ML models to understand the actions that users have available to them in Cleo and provide those contextually in conversations.
* Building ML models to understand the risk of customers using bank transaction features and user activity.
* Building models to optimise the payment success for our customers and optimise the costs for the business.
What You'll Need
* Experience in Growth, either Marketing (MMM and/or LTV models) or Personalisation (Recommender systems and/or behaviour modelling).
* Excellent knowledge of both Data Science (Python, SQL) and production tools.
* A deep understanding of probability and statistics fundamentals.
* Big‑picture thinking to diagnose problems and productionise research.
* Top‑tier communication skills, to partner with Product and Commercial Leaders.
* Industry‑leading contributions to your field, communicated through conferences, blogs, talks, or open‑source projects.
* Advanced Degree in a quantitative discipline or equivalent commercial experience.
Nice to Have
* Strong experience with additional programming languages, such as Java, Scala, C++.
* Industry‑leading contributions to your field, communicated through conferences, blogs, talks, or open‑source projects.
The Recruitment Process
* Interview with a Recruiter – 30 mins
* Interview with the Hiring Manager – 30 mins
* Python Coding Interview – 45 mins
* White‑boarding session – 60 mins
* Technical Discussion – 45 mins
What Do You Get for All Your Hard Work?
* A competitive compensation package (base + equity) with termly reviews, aligned to our quarterly OKR planning cycles.
* Mid‑level: London, UK Hybrid – £74,266 - £91,000 gross annually
* UK Remote – £69,699 - £85,000 gross annually
* Senior‑level: London, UK Hybrid – £94,059 - £115,000 gross annually
* UK Remote – £88,938 - £109,000 gross annually
* Work at one of the fastest‑growing tech startups, backed by top VC firms, Balderton & EQT Ventures.
* A clear progression plan that lets you lead others, challenge the status quo and own your impact.
* Flexibility to balance work and life.
* Work where you work best – hybrid or remote as suited.
* Company‑wide performance reviews every 4 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!
* Final compensation will be determined based on the candidate's seniority, qualifications, skills, and previous experience.
Equal Opportunity
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.
App Access for People in the UK & Europe
If you are an iOS user, please use this link to sign up to our TestFlight version of the app, so you can play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng
Application Confirmation
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.
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