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.
Cleo is a rare success story: a profitable, fast‑growing unicorn with over $300 million in ARR and growing over 2× 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.
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 a company that’s scaling fast, this might be your perfect fit.
As a key member of our New Bets pillar, you will be instrumental in helping us explore and serve new user segments. Your primary focus will be on exploring new product opportunities. You will lead the process from ideation and concept stages to validating and testing key assumptions, and ultimately designing, testing, and building an MVP that can scale if successful.
Outcome 1: Test, validate and build product MVPs
- Collaborate with your cross‑functional squad to generate concepts that resonate with the target audience,
- Understand the key financial assumptions we need to test and validate to ensure that the product could be significantly revenue additive at scale
- Decide on scope and trade‑offs to get MVPs out to users for the most promising concepts and ensure success criteria are established and evaluated
Outcome 2: Scale up a successful MVP
- Work with commercial finance, operations/partnerships to understand lead times and dependencies for scaling an MVP to a larger number of users
- Align with marketing on value props for acquiring new users to the product
- Continue to validate key assumptions as the product scales and continuously iterate on the product based on learnings
Key Responsibilities
- Leading end‑to‑end discovery, ideation, and validation of new product opportunities
- Defining and launching MVPs with clear scope, success criteria, and trade‑offs
- Collaboration with cross‑functional squads to rapidly test and deliver product concepts
- Validating financial and operational assumptions to ensure scalability
- Analyzing user feedback and data to iterate and improve products post‑launch
- Partnering with marketing, finance, and operations to scale successful MVPs
- Aligning product direction with strategic goals and measurable outcomes
- Involving designers, engineers, and analysts in product strategy and decision‑making
What We’re Looking For
- Experience building 0–1 consumer financial products at a startup or scale‑up
- Strong prioritization skills and the ability to say “no” to stay focused
- Comfortable aligning stakeholders and communicating product trade‑offs clearly
- Collaborative leadership style that empowers cross‑functional teams
- Creative mindset with a passion for rethinking financial experiences
- High energy and ownership mindset with a drive to make products succeed
- Comfortable working hands‑on in a fast‑moving, ambiguous environment
- Passionate about making a positive impact on users’ financial lives
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. 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!
Welcoming Everyone
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.
Download the Test Flight
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 have a play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng
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