Senior Product Engineer - Ruby (Remote) in London

Cleo is a profitable, fast‐growing fintech unicorn that wants to fundamentally change humanity's relationship with money. We are looking for a senior product engineer who builds data‐driven, feature‐rich products for our users and who will grow with us as we scale.

Responsibilities

• Join a cross‐functional product squad and collaborate with engineers, designers, analysts and other disciplines to develop features that enhance users' financial health.
• Collaborate with senior peers to provide technical insight into upcoming work, and lead the delivery by pulling the team together to get it shipped.
• Mentor colleagues to grow as engineers and actively support their development.
• Work on our Ruby on Rails monolith – build data models, APIs and business‐logic services.
• Deliver work using agile methodologies and tools such as testing, observability, A/B testing and feature flags.
• Analyze data to identify problems and generate new ideas, using database queries, logs and user research.
• Provide in‐hours support and, optionally, join the compensated out‐of‐hours on‐call rotation.
• Contribute to cross‐cutting concerns that improve our engineering efforts.
• Participate in product ideation, user research, design reviews, retrospectives, and other non‐technical aspects of the squad.

Examples of recent feature work

• Building a secured credit card.
• Launching new budget‐analysis features.
• Implementing pricing experiments for subscriptions.

Qualifications

• Passion for improving financial health and alignment with Cleo's values and engineering principles.
• At least 4 years of industry experience with Ruby on Rails.
• Experience in building scalable, test‐driven applications in a monolithic architecture.
• Strong communication skills and a collaborative mindset.

Tech Stack

• Ruby on Rails monolith with a React Native app front‐end (TypeScript).
• Python for machine‐learning services.
• PostgreSQL database, hosted on AWS.
• Automated CI/CD with Heroku and CircleCI.
• Peer‐reviewed code, Minitest and automated testing.

Benefits

• Competitive compensation package (base + equity) with bi‐annual reviews.
• Opportunity to work with a fast‐growing tech startup backed by top VC firms.
• Clear progression plan and ownership culture.
• Flexibility and remote work options.
• Paid sabbatical after 4 years and generous performance‐based increases.
• Equity top‐ups, 1‐month paid sabbatical, and other benefits (e.g., OpenAI subscription, online mental‐health support).

Interview Process

• Recruiter interview – 30 minutes.
• Engineering interview – 45 minutes.
• Technical interview – live coding in Ruby (2 hours).
• Engineering Manager interview – 45 minutes.

Equal Opportunity

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.

Additional Information

We'll be employing you through our EOR provider, Deel. The Cleo app is not downloadable in Spain currently. Data privacy and candidate notice apply.