About The Company

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

This is a new position based in San Francisco.

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 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.

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

* Designed and implemented AI agents to analyse and extract insights from users’ transactional data.

* Developed models to interpret transactional data, enhancing the understanding of users’ finances. Think about your bank statement—how often do you not recognise a transaction on first review?

* Created contextual intent classifiers to understand user conversations with Cleo, enabling tailored and accurate platform responses.

* Engineered ML models to identify and deliver relevant actions to users within Cleo, ensuring a seamless, context-aware conversational experience.

* Built models to evaluate risk in customer interactions with bank transaction features and user activities.

* Developed optimisation models to improve payment success rates for customers while minimising business costs, tackling this as a two-sided optimisation challenge.

Whatever problem you tackle, and whichever team you join, your work will directly impact those most in need, helping to improve their financial health.

What You'll Need

* 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 productionising 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

* 3+ years of experience in data science, machine learning engineering, or related roles

* Excellent knowledge of both Data Science (python, SQL) and production tools

* Strong ability to communicate findings to non-technical stakeholders

* Experience deploying machine learning models into production; familiarity with Docker containers and container orchestration tools is a plus

The 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 do you get for all your hard work?

* A competitive compensation package (base + equity) with termly (3-annual) reviews, aligned to our OKR planning cycles.

* 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. 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.

* 401k matching up to 6%

* Company-wide performance reviews every 4 months, in line with our termly cycles:

* Generous pay increases for high performing individuals

* Equity top ups for team members getting promoted

* Healthcare plan

* 15 days annual leave a year (pro-rata) plus public holidays + 1 additional day of holiday for every year you spend with us up to a maximum of 20 days in total

* 1 months paid sabbatical after every 4 years at Cleo

* 18 weeks full pay maternity/primary caregiver leave, 12 weeks full pay paternity leave

* Enhanced sickness, compassionate, bereavement, pregnancy loss leaves

* Online courses to level up your skills like coding, SQL etc and we’ll pay for your OpenAI subscription

* Access to Spill - remote mental health support

* Expand your knowledge with access to cutting-edge online courses

* 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.

Compensation range

* United States: $160,000 - $230,000 gross annually*

* Other locations: Compensation will be discussed during the interview process

* Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Cleo AI. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Cleo AI may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's Candidate Privacy Notice

Machine Learning Engineer | San Francisco