Backend Engineers (Ruby)

Most money apps talk at you. Cleo talks back. We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process. The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.

We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.

Here at Cleo, we have ~200 Engineers organised into Pillars. Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.

We're hiring Backend Engineers to join one of our cross-functional product squads - working closely with other engineers, designers, analysts, and other disciplines to build features that improve our users' financial health.

Key responsibilities for this role include:

• Work on our Ruby on Rails monolith, building data models, APIs, and business logic services.
• Collaborate with peers across your squad and pillar, providing technical insight into upcoming work and helping pull the team together to ship it.
• Deliver your work using agile methodologies and tools like tests, observability, A/B tests, and feature flags.
• Mentor colleagues to help them grow as engineers, and actively support their development.
• Contribute to cross-cutting concerns that raise the bar across engineering.
• Shape your squad's work beyond the technical - take part in product ideation, user research, design reviews, and retrospectives.

What We're Looking For:

• Solid experience with Ruby on Rails, building data models, APIs, and business logic services in a production monolith.
• Comfortable delivering with agile methodologies and practices like automated testing, observability, A/B testing, and feature flags.
• A collaborative approach — you work well with product, design, and analytics partners, and enjoy shaping work beyond just the technical bits.
• Experience mentoring colleagues and supporting their growth as engineers.
• Alignment with our company values and engineering principles.

What we offer:

We offer benefits package built to support you in and out of work. Benefits vary by country and include meaningful equity, comprehensive health, dental and vision insurance, mental health support, a paid one-month sabbatical after four years, a learning and development platform, pension or retirement contributions, and location-specific leave entitlements. For the full breakdown on what's available in your location, visit our Candidate Hub.

What Matters:

Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.

We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.

We may use AI-assisted tools during the recruitment process to support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!