Senior Machine Learning Engineer

Overview About Cleo: At Cleo, we\’re not just building another fintech app. We\’re on a mission to fundamentally change humanity\’s relationship with money. We aim to give everyone, regardless of background or income, access to a hyper-intelligent financial advisor in their pocket.
Cleo is a profitable, fast-growing unicorn with over $200 million in ARR and strong year-over-year growth. We seek individuals who are among the top of their field and who embody our culture of collaboration and positive impact. This is a rare opportunity to join a team shaping meaningful change, with a fast-scaling environment.
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The Role Senior Machine Learning Engineers at Cleo work on building novel solutions to real-world problems. Responsibilities can include: creating chatbots to coach users on financial health, building classifiers to better understand transaction data, or optimizing transactions within our payments platform. You will lead technical work within a team of adaptable, creative, product-focused engineers, training & integrating cutting-edge machine learning across products and deploying to production for millions of users.
Check out our blog for a glimpse into ML at Cleo.

What You\’ll Be Doing
Training and fine-tuning models to solve customer problems across chatbot and bank transaction data.

Deploying models into production using our in-house ML platform or integrating with LLMs hosted by providers such as OpenAI, Anthropic, GCP and AWS.

Working cross-functionally with backend engineers, data analysts, UX writers, product managers, annotation teams, and others to ship features that improve users\’ financial health.

Taking initiative to propose and lead technical work on previously unknown or poorly understood problems; driving change at the chapter level affecting multiple squads.

Keeping Cleo at the forefront of NLP by adopting state-of-the-art techniques and communicating successes and learnings at the company level and beyond.

Mentoring and advising colleagues on model choices, architecture, and evaluation, promoting best practices for using LLMs.

Examples of product feature work by ML Engineers over the last year include AI agents to explore and derive insights from user transactional data, improving understanding of user finances through transaction data models, contextual intent classifiers for Cleo conversations, context-aware action recommendations, risk modeling, and optimization of payment success and costs.

What You\’ll Need
Experience in industry machine learning roles as a technical leader or senior engineer

Strong knowledge of Data Science (Python, SQL) and production tools

Solid understanding of probability and statistics

Big-picture thinking to diagnose problems and productionize research

Excellent communication skills to partner with Product and Commercial Leaders

Industry-leading contributions to your field through conferences, blogs, talks, or open-source projects

Advanced degree in a quantitative discipline or equivalent commercial experience

Nice to Have
Experience with additional programming languages (e.g., Java, Scala, C++)

Additional industry contributions through conferences, blogs, talks, or open-source projects

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 You Get
Competitive compensation package (base + equity) with termly reviews, aligned to quarterly OKR planning cycles

Work at a fast-growing tech startup backed by top VC firms

Clear progression plan with support for growth and impact

Flexible work arrangements and distributed team model; travel coverage when applicable

Company-wide performance reviews every 4 months

Generous pay increases, equity top-ups on promotion, and extensive benefits

25 days annual leave + public holidays, with increases over time

6% employer-matched pension in the UK

Private medical and dental insurance, life assurance, enhanced parental leave

1 month paid sabbatical after 4 years

Regular socials and activities, online and in-person

OpenAI subscription coverage

Mental health support and workplace nursery scheme

And more

EEO and Privacy We strongly encourage applications from people of color, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds. By submitting this application, you confirm that information provided is true to the best of your knowledge and that you consent to processing of your personal data in accordance with Cleo AI\’s Candidate Privacy Notice.

Notes App access for people in the UK & Europe: iOS users can sign up to our TestFlight version of the app. Also, if you\’re outside London, we encourage spending a few days with us a few times per year; travel costs may be covered.

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