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.
Cleo is a rare success story: a profitable, fast‑growing unicorn with over $300 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.
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.
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. 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. We understand our customers, we understand their pain, and we are passionate about helping them.
What You’ll Be Doing
- You will join the Machine Learning Growth Personalisation team where you will work in a cross‑functional squad focused on using ML to personalise the Cleo product.
- You will work on recommender systems and/or behavioural modelling (e.g. multi‑armed bandits, uplift modelling + other causal modelling).
- You will deploy these models into our production environments using our in‑house ML platform, which you can read about on our blog: Let’s have an Espresso: MLOps at Cleo.
- You will work cross‑functionally with backend engineers, data analysts and product managers.
- You will take the initiative to propose & lead technical work towards problems that were previously unknown or poorly understood, driving change at the chapter level that affects multiple squads.
- You will mentor & advise colleagues on their choices of models, architecture, and evaluation.
Examples of Product Feature Work
- Built recommender systems for in‑app prompts and notifications.
- Built a multi‑armed bandit testing framework to enable fast and low‑regret multi‑variate testing.
- Built AI Agents to explore and derive insights from users’ transactional data.
- Built models to optimise the payment success for our customers and optimise the costs for the business.
- Developed contextual intent classifiers to understand what conversations users are having with Cleo, enabling control of how Cleo should respond.
- Built 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.
What You’ll Need
- Experience in 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 correctly diagnose problems and productionise research.
- Top‑tier communication skills, to be 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 mins).
- Interview with the Hiring Manager (30 mins).
- Python Coding Interview (45 mins).
- White‑boarding session (60 mins).
- Technical Discussion (45 mins).
Benefits
- A competitive compensation package (base + equity) with 3‑annual reviews, aligned to our termly OKR planning cycles.
- Salary band (London, UK Hybrid 1 day per week in London office): £94 059 – £115 000 gross annually.
- Salary band (UK Remote based outside London): £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.
- Flexibility and work‑from‑anywhere options.
- 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 Statement
We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neuro‑divergent people, parents, carers, and people from lower socio‑economic backgrounds.
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