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 $200 million in ARR and growing over 2x year‑over‑year. 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.
About the Role
Senior Machine Learning Engineers at Cleo work on building novel solutions to real‑world problems. This really does vary but could be: creating chatbots to coach our users around their financial health, creating classifiers to better understand transaction data or even 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.
What You'll Be Doing
* Training and fine‑tuning models to solve customer problems across our chatbot and the bank transaction data behind it.
* 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 backend 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 and lead technical work towards 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 the adoption of state‑of‑the‑art techniques and communicating the team’s successes and learnings at the company level and beyond.
* Mentoring and advising colleagues on their choices of models, architecture, and evaluation, promoting best practices for how we use LLMs.
Examples of Product Feature Work
* Building AI Agents to explore and derive insights from users’ transactional data.
* Developed deeper understanding of users' finances through models extracting meaning from transactional data.
* Developed 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.
* Built ML models to understand the risk of customers using bank transaction features and user activity.
* Built models to optimise the payment success for our customers and optimise the costs for the business.
What You'll Need
* Experience in industry machine learning roles as a technical leader or senior engineer.
* Excellent knowledge of both Data Science (Python, SQL) and production tools.
* A deep understanding of probability and statistics fundamentals.
* Big‑picture thinking to correctly 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 min)
* Interview with the Hiring Manager (30 min)
* Technical Interview (30 min)
* White‑boarding session (60 min)
* Technical Discussion (45 min)
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.
* Work at one of the fastest‑growing tech startups, backed by top VC firms, Balderton & EQT Ventures.
* A clear progression plan that encourages growth, leadership, and ownership.
* Flexibility to maintain work‑life balance.
* Payload for remote or hybrid work in London and other locations as appropriate.
* 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 (plus 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.
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