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, growing more than 2× year‑over‑year. This isn’t just a job; it’s a chance to join a team of brilliant, driven individuals passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals at the top of their field who 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, this might be your perfect fit.
About The Role
As a (Senior) Machine Learning Engineer, you’ll build novel solutions to real‑world problems. This may include creating chatbots to coach users around their financial health, building classifiers to better understand transaction data, or optimizing transactions within our payments platform. You’ll lead technical work within a team of adaptable, creative and product‑focused engineers, integrating cutting‑edge machine learning across a variety of products and deploying them into production for millions of users.
What you’ll be doing
- Join the Machine Learning Growth domain, working across Growth Marketing and Growth Personalisation. In Growth Marketing, develop MMM and/or LTV models; in Growth Personalisation, work on recommender systems and/or behavioural modelling.
- Deploy models into production using our in‑house ML platform or integrate with LLMs hosted by OpenAI, Anthropic, GCP, AWS and others.
- Work cross‑functionally with backend engineers, data analysts, UX writers, product managers, annotation teams, and others to ship features that improve users’ financial health.
- Initiate and lead technical work toward problems that were previously unknown or poorly understood, driving change at the chapter level affecting multiple squads.
- Mentor and advise colleagues on model, architecture, and evaluation choices.
Examples of Product Feature Work
- Building AI agents to explore and derive insights from users’ transactional data.
- Deepening understanding of users’ finances through models extracting meaning from transactional data.
- Developed contextual intent classifiers to understand conversations users have with Cleo, enabling control of how Cleo should respond.
- Built models to understand the actions users have available to them in Cleo and provide those contextually in conversations.
- Built models to understand the risk of customers using bank transaction features and user activity.
- Built models to optimise payment success for our customers and optimise costs for the business – a two‑sided optimisation problem.
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 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, able 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.
Recruitment Process
- Interview with a Recruiter (30 min)
- Interview with the Hiring Manager (30 min)
- Python Coding Interview (45 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 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 focused on growth, leadership, and owning impact.
- Flexibility: hybrid or remote work arrangements, travel cost coverage when visiting London.
- 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 + public holidays (plus an additional day for every year spent 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 benefits.
- Final compensation determined by seniority, qualifications, skills, and experience.
EEO Statement
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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