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 $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.

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.

• Joining a cross-functional product squad with a mix of backend engineers, data analysts, frontend engineers, user researchers, designers, UX writers and others to develop features that improve our users’ financial health
• You will be building ML models to solve customer problems across chat, payments, risk and marketing. Supported by Senior ML engineers to help you craft the problem definition, modelling approach, and deployment options.
• Integrating LLMs where appropriate, following evaluation-driven development of applied AI.
• Learning not only how to deploy and build models, but how to understand data, business problems and how you know what you have built works for customers.
• Learning how to manage and own ML in production with our monitoring tools for; feature drift, accuracy and performance of your APIs
• Learning about our approach to data-driven development where we emit data with each feature we build so we can measure what it’s doing, and finding out how we analyse that data to detect problems and come up with new ideas

Here are some examples, big and small, of the kinds of product feature work our ML Engineers have taken part in over the last year:

• Built ML models to understand the risk of customers using complex transactional bank data and user activity
• Built models to optimise the payment success for our customers and optimising the costs for the business. Think of this as a two-sided optimisation problem.
• 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. Think about your bank statement, how often do you not know what a transaction is?
• Developed contextual intent classifiers to understand what conversations users are having with Cleo and control how Cleo should respond
• Building models to understand the actions that users have available to them in Cleo and provide those contextually in conversations

Whichever squad and part of the business you land in, you will ship changes to our millions of active users and see your work having a material impact on the financial health of those most in need.

About you

Firstly and most importantly, all of the above sounds exciting to you and you want to make a positive difference in society by improving the financial health of our users worldwide.

You’ve also read our company values which drive our ways of working and help us deliver working software to our users, learn what works and iterate quickly to improve it. You are excited to learn how to embrace these opinions and use them to deliver value.

As this is a junior position we’re looking for someone who has recently graduated with a Computer Science / ML / AI related degree and Masters or a PhD.

We prefer candidates with the following skills & knowledge:

• Coding in Python, including numpy, pandas, and object oriented programming
• Version control such as git
• Familiarity with machine learning concepts

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ - This position is a DS1/2 level and we can pay £36,278 - £73,504 p.a depending on experience.
• 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;
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 401k matching in the US and 6% employer-matched pension in the UK
• 1 month paid sabbatical after 4 years at Cleo!
• Online courses & internal training to level up your skills
• Regular socials and activities, online and in-person
• Online mental health support via Spill
• 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.

If there’s anything we can do to accommodate your specific situation, please let us know.

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based

in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.

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