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, 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’ll be joining the Machine Learning Growth domain, developing MMM and/or LTV models.
- 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 & lead technical work towards problems that were previously unknown or poorly understood, driving change at the chapter level that affects multiple squads.
- Mentoring & advising colleagues on their choices of models, architecture, and evaluation.
Examples of Product Feature Work
- 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 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, Marketing (MMM and/or LTV models).
- 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.
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 You Get for Your Hard Work
- A competitive compensation package (base + equity) with 3‑annual reviews, aligned to our termly OKR planning cycles.
- If you’re levelled as a Machine Learning Engineer (DS2) during our process:
- London, UK Hybrid (1 day per week in London office): £74,266 – £91,000 gross annually
- UK Remote (based outside London): £69,699 – £85,000 gross annually
- If you’re levelled as a Senior Machine Learning Engineer (DS3):
- London, UK Hybrid (1 day per week in London office): £94,059 – £115,000 gross annually
- 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; we want you to keep growing.
- Flexibility. We can’t fight for the world’s financial health if we’re not healthy ourselves.
- Work where you work best; our team is globally distributed.
- Company‑wide performance reviews every 4 months.
- Generous pay increases for high‑performing team members.
- Equity top‑ups awarded across all levels in performance reviews.
- 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days).
- 1 month paid sabbatical after 4 years at Cleo.
- 6% employer‑matched pension in the UK.
- Private Medical Insurance via Vitality, dental cover, and life assurance.
- Online mental health support.
- Enhanced parental leave.
- Workplace Nursery Scheme.
- Paid for access to multiple AI platforms (ChatGPT, Codex, Claude).
- Access to the latest AI coding models.
- Pick your kit – choose between a Windows or an Apple computer.
- Regular socials and activities, online and in‑person.
- And many more!
- Final compensation will be determined based on the candidate’s seniority, qualifications, skills, and previous experience.
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 have a play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng
#J-18808-Ljbffr…