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.

What you’ll be doing

Our Analysts enable Cleo to make better decisions faster. Working as part of a cross-functional team they apply their expertise to drive the future of the business.

You will work with the Finance and Credit Card Operations teams, leveraging rich user and partner data to generate insights that support the commercial direction of Cleo. You will bring a technical, product-led approach to our business model, breaking down every element of revenue and cost, and working closely with teams across the business to drive those metrics forward.

Specifically, you will:

• Enable the efficient performance of our business; understand the ecosystem of our product and conduct analysis to identify high-impact operational improvements
• Define how we quantitatively measure success in Finance and Operations, set KPIs, design tracking to analyse what really matters
• Build and maintain operational reporting used by commercial teams, product squads, and senior leadership
• Automate the rapid identification and diagnosis of issues in product performance
• Work with internal and external partners in facilitating accurate financial reconciliation between data from different systems
• Build and maintain data models using dbt
• Contribute to frameworks for measuring and analysing LTV / unit economics
• Influence the roadmap of product and business teams through presentation of data-based recommendations

You will be working on a hugely impactful workstream at one of the UK’s fastest growing startups, leveraging data to drive us on the path to net profitability. Your analysis will uncover drivers of business performance and identify new means of boosting the financial performance of the company.

You’ll also sit within the wider data function here at Cleo; a hotshot chapter of 40 Product Analysts, Analytic Engineers, Data Scientists, and Data Engineers with significant industry experience that are at the heart of everything we do at Cleo. You’ll have the opportunity to work with them in building the data platform that is the engine of Cleo’s growth.

About you

• Multiple years experience doing quantitative analysis in a digital product environment
• Comfortable analysing concepts such as LTV, unit economics, gross margin, profitability. Prior experience with financial modelling is a plus.
• Highly proficient in writing analytical SQL
• Avid user of data visualisation tools such as Tableau, Superset, Mode, etc.
• Evidence of success in automating critical data processes
• Experience implementing best practices on data quality, documentation, and governance
• Solid understanding of data modelling principles and tools such as dbt
• Highly motivated to work autonomously, with strong organisational and time management skill
• Strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner

We are looking for a self-starter, focused on results, with demonstrated success in utilising data to drive commercial performance in a digital product environment.

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ - This position is a AX3 level and we can pay £65,004-£83,376 p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• Work where you work best. In London we have a hybrid approach, we encourage you to spend one day a week or more in our beautiful office but this is fully flexible.
• Other benefits;
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

What you’ll be doing

As a Senior Product Analyst you’ll enable your team to make better decisions, faster. Working as part of a cross-functional squad alongside product managers, designers, and engineers, you’ll apply your expertise to drive the future of what we build at Cleo. You will leverage rich user data and cutting-edge technology to see your insights turned into real products.

You’ll also sit within the wider data science function here at Cleo; a hotshot team of 35 Data Scientists and Product Analysts, with significant industry experience that are at the heart of everything we do at Cleo. You’ll have the opportunity to work with them in building and deploying in-production models that developers will feed directly into the product.

We are looking for a self-starter, focused on results, with a demonstrated success in using analytics to drive the understanding, growth, and success of a product.

• Define key product metrics and track KPIs to analyse what really matters
• Understand user behaviour and identify levers to help move key metrics
• Conduct regular A/B tests across the product journey of a Cleo user
• Influence the roadmap of product teams through presentation of data-based recommendations
• Build models of user-segmentation, marketing attribution, customer lifetime value etc.
• Work closely with engineers to make sure we collect the right data to produce relevant business insights

About you

• Multiple years of experience doing quantitative analysis, within a digital product environment
• Experience conducting large scale A/B experiments
• Excellent SQL skills
• Fluency in Python and its application in data analysis is a nice to have, but not essential
• A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner
• Experience with data visualisation tools such as Tableau, Looker, or Periscope
• Knowledge of statistics (e.g. hypothesis testing, regressions)

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ - This position is a AX3/AX4 level and we can pay £65,004-£104,755 p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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. In London we have a hybrid approach, we encourage you to spend one day a week or more in our beautiful office but this is fully flexible.
• Other benefits;
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

What you’ll be doing

As Cleo grows rapidly, builds new products, and onboards more and more users, you will take the lead on ensuring that our payments platform is able to efficiently support all the new growth and that our operations are compliant with state by state regulations.

You will be a Product Analyst in our payments and risk pillar, which is responsible for building and supporting the entirety of Cleo’s payments and risk infrastructure platform. We believe in a data-led strategy and you will be playing an instrumental role in defining and prioritising the team’s long term and short term roadmaps to build a best-in-class payments processing engine. You will also have the opportunity to work with, learn from, and mentor other analysts within the space.

You will help define and own the key metrics which measure the efficiency of our payments engine. You will work alongside data scientists to understand the impact of and to improve the performance of machine learning models driving our user financial understanding and payments orchestration. Based on what you learn, you will identify opportunities to optimise when and how we take payments while balancing revenue and the cost of payments. You will have the opportunity to work with third party processors alongside our partnerships team.

You’ll also sit within the wider data function here at Cleo; a hotshot team of 40 Product Analysts, Analytic Engineers, and Data Scientists with significant industry experience that are at the heart of everything we do at Cleo. You’ll have the opportunity to work with them in building the data platform that is the engine of Cleo’s growth.

We are looking for a detail-driven self-starter, focused on results, with demonstrated success in utilising analytical insight to optimise processes.

• Lead the analytics work to understand the performance of key ML models across our product, working alongside data scientists to improve how these models are deployed and utilised across Cleo
• Take on a critical analytics role on the risk and payments infrastructure team, helping prioritise the workload and strategy of the team
• Define key payments-related metrics and track KPIs to assess the efficiency of our payments platform
• Dig deep into our user behaviour and payments data to conduct root cause analysis on unexpected metric movements
• Work alongside our engineering, product, and data science partners to build a best-in-class payments infrastructure
• Identify and help scope opportunities to onboard new payment methods or third party partners

About you

• Multiple years of experience doing quantitative analysis within a digital product environment
• Solid SQL experience. You know how to dig deep through various data sources to find insights
• Proven track record of proactively optimising processes through data-led insights
• Familiarity with machine learning models, understanding how to read and assess their impact
• Demonstrated history of helping drive team strategy through helping build roadmaps and prioritising initiatives
• Comfortable with defining metrics from scratch and creating dashboards
• Familiarity with conducting large-scale A/B experiments
• Preferred experience with payment systems and familiarity with various payment methods
• Preferred experience working with third party data (either with payments processors, risk engines, or data aggregators)
• Preferred familiarity with US payment rails (e.g. ACH)

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our progression framework and salary bandings here: https://cleo-ai.progressionapp.com/data - this position is AX3 level and we can pay £65,004 - £83,376 p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 encourage you to spend one day a week or more in our beautiful office but this is fully flexible. If you’re 2+ hours outside of London, we’ll encourage you to spend a couple of days with us in-person 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)
    • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
    • 401k matching in the US and 6% employer-matched pension in the UK
    • 1 month paid sabbatical after 4 years at Cleo!
    • Regular socials and activities, online and in-person
    • Online mental health support via Spill
    • We'll pay for your OpenAI subscription
    • 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.

Senior Credit Risk Analyst

We’re seeking an entrepreneurial senior credit risk analyst to help us build our next generation of credit underwriting models and strategy.

As Cleo coaches customers to improve their financial health over time, our Cleo+ subscription is helping them access the best products to take action and meet their financial goals. From strong initial growth in its first year, we’re now expanding the Cleo+ financial product set, with a focus on consumer credit products that help users get to the next stage of financial health, while saving them money.

As we launch new credit products for our Cleo+ subscription service, you will have the opportunity to relentlessly leverage data, data science, experimentation and analytics to understand and manage credit risk and enable profitable growth of our portfolio. You will work closely with our data science, product, engineering, and finance teams and will interact with business stakeholders across many departments

What You'll Be Doing

• Leverage Cleo’s proprietary data and third party data to reduce loss rates and improve customer experience
• Optimize our risk thresholds, policies and strategy to expand member access and eligibility criteria of our credit products
• Apply your expertise in quantitative analytics to understand drivers of risk and suggest strategies to mitigate them
• Build dashboards to monitor and report the performance of credit products
• Design, execute, and analyze the results of experiments across our credit product.
• Leverage state of the art techniques to combat and mitigate fraud risk
• Willingness to challenge the conventional thinking and try new ideas to solve complex business problems
• Maintain a strong data driven culture within the company by interacting with diverse internal functions

About you

• Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Masters degree is a plus
• 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company
• Experience in designing lending products compliant with US state and federal regulations
• Experience in SQL, Python or other statistical modeling tools
• Knowledge of state of the art machine learning techniques
• Advanced Microsoft Excel skills
• Experience working on A/B testing
• Detail-oriented with exceptional organizational skills.
• Ability to work in a fast-paced environment and meet aggressive deadlines
• Experience working in business intelligence tools
• Excellent written and oral communication skills

What do you get for all your hard work?

• A competitive compensation package (base + equity). The salary for this position is up to $130,000k p.a., depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• Work where you work best. We’re a globally distributed team. Our US team works fully remotely, but we host virtual socials and an annual company offsite with all expenses paid.
• Other benefits;
• 15 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 401k matching
• Medical Insurance, Dental and Vision
• Generous Parental Leave
• 1 month paid sabbatical after 4 years at Cleo!
• Early finish every Friday
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

Logistics

Following an initial call with one of our Talent Partners, you'll start with a 30-minute interview with our Credit Strategy Lead, digging into your background and experience in more depth. You'll then do a two-part technical interview, comprised of 2 60-minute sessions, assessing your financial modelling and SQL skills respectively. Finally, we'll finish off with a 45-minute interview where you can meet other members of Cleo, discussing our core values and cross-functional working.

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.

What you’ll be doing

As a Senior Product Analyst you’ll enable your team to make better decisions, faster. Working as part of a cross-functional squad alongside product managers, designers, and engineers, you’ll apply your expertise to drive the future of what we build at Cleo. You will leverage rich user data and cutting-edge technology to see your insights move key metrics around our Cash Advance feature.

You’ll also sit within the wider data function here at Cleo; a hotshot team of 40 Data Scientists and Product Analysts, with significant industry experience that are at the heart of everything we do at Cleo.

We are looking for a self-starter, focused on results, with a demonstrated success in using analytics to drive the understanding, growth, and success of a product.

• Define key product metrics and track KPIs to analyse what really matters
• Understand user behaviour and identify levers to help move key metrics
• Conduct regular A/B tests across the product journey of a Cleo user
• Influence the roadmap of product teams through presentation of data-based recommendations
• Work closely with engineers to make sure we collect the right data to produce relevant business insights

About you

• Multiple years of experience doing quantitative analysis, within a digital product environment
• Experience conducting large scale A/B experiments
• Excellent SQL skills
• Fluency in Python and its application in data analysis is a nice to have, but not essential
• A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner
• Experience with data visualisation tools such as Tableau, Looker, or Periscope
• Ability to define new product metrics from complex, unstructured data
• Knowledge of statistics (e.g. hypothesis testing, regressions)

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 AX4 level and we can pay £83,376-£104,755 p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• Work where you work best. In London we have a hybrid approach, we encourage you to spend one day a week or more in our beautiful office but this is fully flexible.
• Other benefits;
  • Generous pay increases for high performers
  • Discretionary cash bonuses for high-growth team members
  • Equity top ups for team members getting promoted
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 6 months,
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

The role:

As a chat-first product, we're moving through uncharted territory. Everyday there are new challenges around chat user experience, brand, tone of voice and applied machine learning that you can't just look up the answer to.

You’ll be responsible for our design direction, quality of the product design execution and developing the design team and ways of working. You'll be leading a multi disciplinary team of product designers, brand designers, user researchers and UX writers - roughly a team of 25-30 people. You'll be supported by leads in the brand design, ux writing and user research teams and our product design manager on day to day people & performance management.

An example of some of your responsibilities in this role:

• As Cleo leans more heavily into chat-based financial coaching, you will be responsible for creating a design vision that shows how we can coach our users to improve their financial health, and how this relates to our other product offerings
• You will engage key members of user experience, product, marketing and engineering in the creation of this design vision, getting feedback and aligning with the company and product strategy and then use this to improve the design of our product overall
• Work with design, product and engineering to determine the key changes that need to be made in our existing product flows in order to realise the design vision and align with squads on getting this baseline in place
• Collaborate with Brand and Marketing to make sure all designs are consistent across every user touchpoint and that our design work is always world-class quality
• Establish and maintain design systems, processes, and best practices that enable efficient and scalable design operations across the organisation
• Drive a user-centric design approach, advocating for the user's needs and ensuring that product and marketing designs are accessible, inclusive, and engaging for a diverse audience

You should apply if you:

• Have significant experience and expertise in product design, you’ve worked for highly-regarded B2C Product-led companies or agencies with experience heading up a Design function
• Have experience setting a design vision that aligns with company and product strategy, and visualising how a product’s competitive advantage and uniqueness can be achieved
• Are happy working in a startup environment at pace. You have a “done vs. perfect” mindset to get improvements out the door and then improve them iteratively rather than taking a long time over something 100% perfect.
• Are a great people leader: On the team and across Cleo, you’ll foster a culture of collaboration and innovation
• Care deeply about understanding other humans and their relationships with money. You’re passionate about our goal of radically improving our users' relationship with money.
• Are commercially-minded: You understand our product’s competitive landscape and know how user value affects business value, taking this into account in your design decisions and prioritisation
• Have great leadership and communication skills - you can get the company excited about your design vision and articulate how it links to the company and product strategy. You can represent design at the leadership level and contribute meaningfully to strategic decisions.

Logistics: hiring process

Typically our interview processes take between 2-3 weeks, depending on availability of the team and your availability. Here's a rough idea of what to expect with our recruitment process:

• Stage 1: Chat with our Head of Talent about your experience to see if the role is a good match
• Stage 2:
  • Part i) Meet with our CEO, Barney to learn more about Cleo
  • Part ii) Meet our Product leadership team to discuss your experience in more depth and to learn more about our Product org
• Stage 3: Task interview with our CEO, you'll also meet with our VP People to talk about your people management experience
• Final Stage: Meet our VP Tech & our Lead User Researcher, and Lead UX Writer, we'd also love for you to meet more of the design team

What do you get for all your hard work?

• A competitive compensation package (base + equity)
• 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 for 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;
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.

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.

What you'll be doing

• Joining a cross-functional product squad and collaborating with a mix of engineers, designers, analysts and other disciplines to develop features that enhance our users' financial health.
• Mentoring colleagues to help them grow as engineers and actively supporting their development.
• Working on our Ruby on Rails monolith, building data models, APIs, and business logic services.
• Delivering your work using agile methodologies and tools like tests, observability, AB-tests, and feature flags.
• Analyzing data to identify problems and generate new ideas, using various sources such as our database, application logs, and user research data.
• Supporting colleagues through in-hours support and optionally joining the compensated out-of-hours on-call rotation.
• Contributing to cross-cutting concerns that improve our engineering efforts.
• Taking part in shaping the work of your squad beyond technical aspects, participating in product ideation, user research, design reviews, retrospectives, and more.

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

• building a secured credit card
• launching new budget analysis features
• implementing pricing experiments for subscriptions

About you

You are passionate about making a positive difference in society by improving the financial health of our users. You align with our company values and engineering principles, which drive our ways of working and software delivery.

As this is a SE2-SE3 position as described in our public progression framework we’re looking for someone who has at least 2 years industry experience of using Ruby on Rails. If it’s significantly more, maybe you want to look at our Senior Backend role.

What you get

• Competitive salary + equity. Our salary bands are part of our public progression framework, so as this position is at SE2 - SE3 level we can pay £51,891 - £83,366 p.a depending on experience.
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 6% employer-matched pension in the UK
• Performance reviews every 8 months,
  • Generous pay increases for high performers and high growth team members
  • Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

For more info on next steps, please visit our Engineering Interview process page: https://web.meetcleo.com/blog/how-we-do-engineering-interviews-at-cleo

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.

The role

Cleo is radically different from the norm and we’re looking for an engineering leader to guide and further develop our engineers across our cross functional product squads. You will be responsible for the engineering team’s delivery, management of our senior engineers and engineering managers as well as ensuring we rapidly create exceptional products for our customers.

Whilst this is a hands-off role, you were previously an engineer yourself and you understand what it means to be an outstanding engineer in a product-focused tech company.

About You

We’re looking for a Director of Engineering that has exceptional people leadership skills, with an understanding of building a culture of technical excellence. On top of this, you will:

• Know what great product-focused engineering looks like and will have worked with peers in product, design and data to build great products for consumers;
• Have worked on a consumer product and worked closely with peers on how to develop it from a engineering perspective;
• Be a great coach/mentor and be motivated by developing and supporting your teams to have an environment to do their best work;
• Have proven experience building high-performing teams;
• Have developed software engineers and managed managers;
• Be someone who promotes and celebrates the successes of the team, both internally and externally, attracting and retaining great talent;
• Have excellent communication and people leadership skills, that has enabled you to be a voice of engineering whilst clearly conveying your strategy to your team;
• You’re a compassionate manager that knows how to grow talent and get the most out of your teams;
• Have a can-do attitude, bias towards action and always looking to continuously improve.

What You’ll Be Doing

As the Director of Engineering, you will work closely with the VP Technology to develop our engineering strategy, grow the engineering team and cultivate a great engineering culture. You'll also:

• Work across the technology leadership team and peers in product, design and data to build, manage and retain a high-performing engineering team;
• Be a member of the team building an engaging consumer facing product, partnering across product, design and data science to push the Cleo product forward;
• Develop our recruitment process from being able to attract and source the best talent to onboarding engineers so they can be successful at Cleo in the shortest amount of time;
• Work with our engineering managers, tech leads and agile coaches to help teams continuously improve;
• Iterate and improve our engineering principles to empower engineers to make the right trade offs to focus on delivery great value to Cleo's customers;
• Cultivate a great engineering culture that is high performing, a great place for people to develop and do their best work in a high trust environment.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with regular reviews. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• 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 treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• 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: Check out our new benefits package here, and see below for the highlights:
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • 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.

We’re looking for a brilliant Frontend React/React Native Engineer with an eye for UI/UX design to join us on our mission to fight for the world's financial health. You’ll be joining a team of adaptable, creative and product-focused engineers who ship working software. We understand our customers, we understand their pain, and we are passionate about helping them.

View how we run our Engineering Interview process here! https://web.meetcleo.com/blog/how-we-do-engineering-interviews-at-cleo.

What you’ll be doing

Take a look at what Frontend Engineers do here! https://web.meetcleo.com/blog/what-do-you-do-frontend-engineer

• Joining a cross-functional product squad with a mix of frontend engineers, designers, UX writers, backend engineers, data analysts and others to develop features that improve our users’ financial health
• Working on our React Native application, building out amazing experiences for our users which bring financial health to life in the unique Cleo tone of voice.
• Writing automated tests alongside your code to give us the confidence to ship it
• Using AB-Tests, feature flags and other tools that let us iterate quickly
• Using data to dig into user journeys, detecting problems and helping to optimise the Cleo experience
• Being part of the rota for our weekly app releases to the Apple and Google app stores
• Getting involved in cross-cutting concerns that lift our entire engineering effort with the rest of the frontend chapter
• Taking part in shaping all the work your squad does, not just the technical parts. Delivery is a team sport, and we encourage everyone at Cleo to share their ideas, so you can expect to be involved in product ideation sessions, user research calls, design reviews, retrospectives, ways of working sessions, product demos, OKR reviews.

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

• Building a secured credit card from scratch to help our users improve their credit scores without changing their habits.
• Launching our new budget rewind feature to help users understand their pay-cycle and provide them with better analysis of how they got on with their budget.
• Adding discount plans and tiering options to our subscriptions so we can experiment with the best pricing for different types of users.

Whichever squad and part of the business you land in, you will be shipping changes multiple times a week to our hundreds of thousands of active users and seeing 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 and engineering principles 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 share and embrace these opinions and are passionate about using them to deliver value.

For this frontend focused role, we also have some specific asks:

• As this is an SE2/SE3 position, we’re looking for someone with strong industry experience of using React Native / React with TypeScript for a minimum of 1+ years. If it’s a lot more than that, maybe you want to look at our Senior role.
• As your work will primarily involve working on features for our mobile apps, we’d either like to see some proven experience in this area or a genuine passion for moving into the mobile app space.

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 encourage you to spend one day a week or more in our beautiful office but this is fully flexible. If you’re 2+ hours outside of London, we’ll encourage you to spend a couple of days with us in-person a few times per year - and we’ll cover your travel costs, naturally.
• Other benefits;
  • • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
    • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
    • 6% employer-matched pension
    • Performance reviews every 8 months,
      • Generous pay increases for high performers and for high-growth team members
      • Equity top ups for team members getting promoted
    • Private Medical Insurance via Vitality, dental cover, and life assurance
    • Enhanced parental leave
    • 1 month paid sabbatical after 4 years at Cleo
    • Regular socials and activities, online and in-person
    • We'll pay for your OpenAI subscription
    • Online mental health support via Spill
    • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

What you'll be doing

• Joining a cross-functional product squad and collaborating with a mix of engineers, designers, analysts and other disciplines to develop features that enhance our users' financial health.
• Collaborating with other senior peers in your squad and pillar to provide technical insight into upcoming work, and leading the delivery by helping pull everyone together to get it shipped.
• Mentoring colleagues to help them grow as engineers and actively supporting their development.
• Working on our Ruby on Rails monolith, building data models, APIs, and business logic services.
• Delivering your work using agile methodologies and tools like tests, observability, AB-tests, and feature flags.
• Analyzing data to identify problems and generate new ideas, using various sources such as our database, application logs, and user research data.
• Supporting colleagues through in-hours support and optionally joining the compensated out-of-hours on-call rotation.
• Contributing to cross-cutting concerns that improve our engineering efforts.
• Taking part in shaping the work of your squad beyond technical aspects, participating in product ideation, user research, design reviews, retrospectives, and more.

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

• building a secured credit card
• launching new budget analysis features
• implementing pricing experiments for subscriptions

About you

You are passionate about making a positive difference in society by improving the financial health of our users. You align with our company values and engineering principles, which drive our ways of working and software delivery.

As this is a SE3-SE4 position as described in our public progression framework we’re looking for someone who has at least 4 years industry experience of using Ruby on Rails. If it’s not quite that much, maybe you want to look at our standard Backend role.

What you get

• Competitive compensation package (base + equity) - Our salary bands are part of our public progression framework, so as this position is at SE3 - SE4 level we can pay £66,457 - £101,632 p.a depending on experience.
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 6% employer-matched pension in the UK
• Performance reviews every 8 months,
  • Generous pay increases for high performers and for high-growth team members
  • Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

For more info on next steps, please visit our Engineering Interview process page: https://web.meetcleo.com/blog/how-we-do-engineering-interviews-at-cleo

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.

The Role

Cleo is radically different from the norm and we’re looking for an engineering manager to guide and further develop our engineers across our cross functional product squads. You will be responsible for your team’s delivery as they create exceptional products for our customers, as well as the wellbeing and development of your reports.

You’ll be responsible for all people management for multiple squads and engineers within one of our core Pillars. This means hiring in the right spread of TL’s, engineers (juniors, seniors and leads), and then coaching and developing them to deliver on the roadmap. You’ll build out the headcount plan and will be responsible for all hiring and team development within your area to support our growth.

You’ll be accountable for all engineering needs for multiple squads working closely with your counterparts in product, data and experience to build high-performing cross-functional teams so that they deliver impact on our company mission in the most effective way possible. We’ll also be looking to you to develop some of our current squad-focused Leads into more senior positions to support you in the future.

You’ll be responsible for all technical leadership, this means actively seeking out opportunities to improve or optimise our processes, participating in design sessions, reviewing technical proposals and developing the technical roadmap for your area.

About you

We’re looking for a Senior Engineering Manager that has exceptional people leadership skills, with an understanding of building a culture of technical excellence. On top of this, you will:

• You are the kind of manager who is people first, technology second. We build environments to support our engineers to be the most impactful engineers possible. We have to strike the right balance between short term gains and longer term sustainability, and our engineering principles reflect this.
• You have previously been a hands-on software developer, but these days get your kicks from software architecture and organisation design, debugging people and processes, and delivering through others.
• You are a great communicator. We are a tight-knit engineering management team, who support one another to be the best leaders possible. You need to be comfortable challenging and supporting us.
• You are comfortable with change and can adapt to constantly changing circumstances. We’re growing the team, and we want you to grow with us on that journey.
• You practise a learning and growth mindset. We move quickly and experiment lots and we need you to help people learn and grow from their experiences.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with regular reviews.
• 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 treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• 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: Check out our new benefits package here, and see below for the highlights:
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

The Role

Cleo is radically different from the norm and we’re looking for an engineering manager to guide and further develop our engineers across our cross functional product squads. You will be responsible for your team’s delivery as they create exceptional products for our customers, as well as the wellbeing and development of your reports.

You’ll be responsible for all people management for multiple squads and engineers within one of our core Pillars. This means hiring in the right spread of TL’s, engineers (juniors, seniors and leads), and then coaching and developing them to deliver on the roadmap. You’ll build out the headcount plan and will be responsible for all hiring and team development within your area to support our growth.

You’ll be accountable for all engineering needs for multiple squads working closely with your counterparts in product, data and experience to build high-performing cross-functional teams so that they deliver impact on our company mission in the most effective way possible. We’ll also be looking to you to develop some of our current squad-focused Leads into more senior positions to support you in the future.

You’ll be responsible for all technical leadership, this means actively seeking out opportunities to improve or optimise our processes, participating in design sessions, reviewing technical proposals and developing the technical roadmap for your area.

About you

We’re looking for a Senior Engineering Manager that has exceptional people leadership skills, with an understanding of building a culture of technical excellence. On top of this, you will:

• You are the kind of manager who is people first, technology second. We build environments to support our engineers to be the most impactful engineers possible. We have to strike the right balance between short term gains and longer term sustainability, and our engineering principles reflect this.
• You have previously been a hands-on software developer, but these days get your kicks from software architecture and organisation design, debugging people and processes, and delivering through others.
• You are a great communicator. We are a tight-knit engineering management team, who support one another to be the best leaders possible. You need to be comfortable challenging and supporting us.
• You are comfortable with change and can adapt to constantly changing circumstances. We’re growing the team, and we want you to grow with us on that journey.
• You practise a learning and growth mindset. We move quickly and experiment lots and we need you to help people learn and grow from their experiences.

What do you get for all your hard work?

• A competitive compensation package (base + equity) with regular reviews.
• 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 treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• 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: Check out our new benefits package here, and see below for the highlights:
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.

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.

We’re looking for a brilliant Frontend React Native Engineer with an eye for UI/UX design to join us on our mission to fight for the world's financial health. You’ll be joining a team of adaptable, creative and product-focused engineers who ship working software. We understand our customers, we understand their pain, and we are passionate about helping them.

View how we run our Engineering Interview process here! https://web.meetcleo.com/blog/how-we-do-engineering-interviews-at-cleo.

What you’ll be doing

Take a look at what Frontend Engineers do here! https://web.meetcleo.com/blog/what-do-you-do-frontend-engineer

• Joining a cross-functional product squad with a mix of frontend engineers, designers, UX writers, backend engineers, data analysts and others to develop features that improve our users’ financial health
• Collaborating with other leaders in your squad and pillar to provide technical insight into upcoming feature work, and leading the delivery of work by helping pull everyone together to get it shipped
• Mentoring your colleagues to help them become the best engineers they can be. You intentionally take time to share your skills and experiences with them and actively support their growth
• Working on our React Native application, building out amazing experiences for our users which bring financial health to life in the unique Cleo tone of voice.
• Writing automated tests alongside your code to give us the confidence to ship it
• Using AB-Tests, feature flags and other tools that let us iterate quickly
• Using data to dig into user journeys, detecting problems and helping to optimise the Cleo experience
• Being part of the rota for our weekly app releases to the Apple and Google app stores
• Getting involved in cross-cutting concerns that lift our entire engineering effort with the rest of the frontend chapter
• Taking part in shaping all the work your squad does, not just the technical parts. Delivery is a team sport, and we encourage everyone at Cleo to share their ideas, so you can expect to be involved in product ideation sessions, user research calls, design reviews, retrospectives, ways of working sessions, product demos, OKR reviews.

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

• Building a secured credit card from scratch to help our users improve their credit scores without changing their habits.
• Launching our new budget rewind feature to help users understand their pay-cycle and provide them with better analysis of how they got on with their budget.
• Adding discount plans and tiering options to our subscriptions so we can experiment with the best pricing for different types of users.

Whichever squad and part of the business you land in, you will be shipping changes multiple times a week to our hundreds of thousands of active users and seeing 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 and engineering principles 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 share and embrace these opinions and are passionate about using them to deliver value.

For this frontend focused role, we also have some specific asks:

• As this is an SE4 position we’re looking for someone who has strong industry experience of using React Native / React with TypeScript for a minimum of 4 years. If it’s not quite that much then maybe you want to look at our standard Frontend role.
• As your work will primarily involve working on features for our mobile apps, we’d either like to see some proven experience in this area or a genuine passion for moving into the mobile app space.

Why should I apply?

• There’s a clear engineering career growth framework. Whether you want to develop your career as a sole contributor or head down the engineering management track, you can grow with us!
• You’ll be joining an open and collaborative team where you’ll be heard and get to make a difference
• You’ll be joining a team of respected frontend engineers
• Work where you work best … We’re a globally distributed team. If you live in London, we’d love you to spend one day a week 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.
• Work when you work best … we have flexible hours to enable you to work at your best

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 encourage you to spend one day a week or more in our beautiful office but this is fully flexible. If you’re 2+ hours outside of London, we’ll encourage you to spend a couple of days with us in-person a few times per year - and we’ll cover your travel costs, naturally.
• Other benefits;
  • • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
    • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
    • 6% employer-matched pension
    • Performance reviews every 8 months,
      • Generous pay increases for high performers and high-growth team members
      • Equity top ups for team members getting promoted
    • Private Medical Insurance via Vitality, dental cover, and life assurance
    • Enhanced parental leave
    • 1 month paid sabbatical after 4 years at Cleo
    • Regular socials and activities, online and in-person
    • We'll pay for your OpenAI subscription
    • Online mental health support via Spill
    • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.

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.

As the Product Marketing Director you will

• Aid new product development from pre-ideation stage; through market testing, comparison and whitespace analysis, presenting market gaps and innovation opportunities to the wider business and working with product squads to initiate product builds
• Build the GTM strategy for new features and products
• Support product feature campaigns for existing product updates, working closely with CRM and performance teams to deliver successfully
• Drive fresh and novel ways to market digital products
• Work closely with marketing and product teams to launch, grow and differentiate them successfully.
• Be our voice in the market at partner events and on social media, as well as to influencers, press, panels, and our end-users
• Develop product-based tutorials, demonstrations, videos, “how to” guides, tips and tricks
• Work closely with the Product and Engineering teams and create compelling content (blog posts, white papers, case studies, collaterals) for various use cases
• Measure success by tracking relevant metrics and KPIs
• Develop a deep understanding of Cleo’s AI's capabilities, the dynamic market landscape, and changing customer demands
• Influence and work alongside the leadership team to gain buy in and alignment for new product strategy
• Identify potential consumer use cases and advocate for them with Marketing and Product teams

About you

• 8+ years of relevant experience in product marketing with proven track record of executing in high-growth and fast-paced environments
• Experience building new products from pre-ideation stage with product squads
• Experience and strong interest in AI technologies, machine learning and data analytics
• Proven track record of working closely with Marketing, Product and Engineering teams to help align and shape product builds and external messaging successfully
• Great communication, project management and presentation skills

What do you get for all your hard work?

• A competitive compensation package (base + equity). The salary for this position is between £120k - £140k, p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• 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;
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

Logistics
The interview process for this role kicks off with an initial 30-minute video-call with a colleague from the Talent Team at Cleo. You'll then speak to our VP Marketing, Roxanne Nejad (30-45 minute video-call), after which we will ask you to think through some prompts and prepare a couple of slides in preparation for a 30-minute video call with one of our Senior Product Managers. Following this you'll meet our VP Growth, together with our Group Product Manager in a 45-minute video call, after which you'll be invited to a final 30-minute video call with our CEO & Founder.

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.

As the Product Marketing Director you will

• Aid new product development from pre-ideation stage; through market testing, comparison and whitespace analysis, presenting market gaps and innovation opportunities to the wider business and working with product squads to initiate product builds
• Build the GTM strategy for new features and products
• Support product feature campaigns for existing product updates, working closely with CRM and performance teams to deliver successfully
• Drive fresh and novel ways to market digital products
• Work closely with marketing and product teams to launch, grow and differentiate them successfully.
• Be our voice in the market at partner events and on social media, as well as to influencers, press, panels, and our end-users
• Develop product-based tutorials, demonstrations, videos, “how to” guides, tips and tricks
• Work closely with the Product and Engineering teams and create compelling content (blog posts, white papers, case studies, collaterals) for various use cases
• Measure success by tracking relevant metrics and KPIs
• Develop a deep understanding of Cleo’s AI's capabilities, the dynamic market landscape, and changing customer demands
• Influence and work alongside the leadership team to gain buy in and alignment for new product strategy
• Identify potential consumer use cases and advocate for them with Marketing and Product teams

About you

• 8+ years of relevant experience in product marketing with proven track record of executing in high-growth and fast-paced environments
• Experience building new products from pre-ideation stage with product squads
• Experience and strong interest in AI technologies, machine learning and data analytics
• Proven track record of working closely with Marketing, Product and Engineering teams to help align and shape product builds and external messaging successfully
• Great communication, project management and presentation skills

What do you get for all your hard work?

• A competitive compensation package (base + equity) with reviews every 8 months. The salary for this position is between $150k - $200k p.a., depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• Work where you work best. We’re a globally distributed team. Our US team works fully remotely, but we host virtual socials and an annual company offsite with all expenses paid.
• Other benefits;
• 15 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• Performance reviews every 8 months,
  • Generous pay increases for high performers and high-growth team members
  • Equity top ups for team members getting promoted
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 401k matching
• Medical Insurance, Dental and Vision care
• Generous Parental Leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

Logistics

The interview process for this role kicks off with an initial 30-minute video-call with a colleague from the Talent Team at Cleo. You'll then speak to our VP Marketing, Roxanne Nejad (30-45 minute video-call), after which we will ask you to think through some prompts and prepare a couple of slides in preparation for a 30-minute video call with one of our Senior Product Managers. Following this you'll meet our VP Growth, together with our Group Product Manager in a 45-minute video call, after which you'll be invited to a final 30-minute video call with our CEO & Founder.

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.

We’re looking for a Commercial Associate to own the ideation and modelling of new global product ideas. This is a brand new role reporting to our Head of Commercial and will be the fourth person in the commercial and partnerships function at Cleo, taking ideas from initial thought to delivery at scale.

Some of the things you'll get involved with:

• Commercial Strategy - helping to set the commercial direction of the business, and prioritising the new initiatives and special projects Cleo will focus on
• Global Strategy - crafting strategies for the global expansion of our innovative initiatives and special projects.
• Product improvement - work hand in hand with our product teams to improve our product development process.
• Partnerships - assist in negotiation processes and provide insights to improve products and facilitate global growth.
• Complex modelling - construct, scale, maintain, and effectively communicate intricate models that guide expansion efforts and enable data-driven choices.
• Best practice - develop and promote best analytical practice within Cleo

What are we looking for?

• Minimum 2-4 Years' Experience - demonstrated experience within a top-tier consultancy, investment bank, or venture fund.
• Independent Initiative - demonstrated ability and enthusiasm for autonomously conceiving and executing projects.
• Financial Modelling Expertise - proficiency in designing and managing complex financial models.
• Problem-solving Acumen - evident aptitude for solving intricate, open-ended challenges with innovative solutions.
• Quick Learner - capacity to rapidly grasp novel concepts and approach problems with a results-driven mindset, even in unfamiliar domains.
• Collaborative Mindset - ability to collaborate effectively with diverse stakeholders, leveraging their varied experiences and competencies.
• Technical Proficiency - ideally, strong familiarity with SQL and/or experience with Python.

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ - This position is a COM3 level and the salary for this role will be £73,000.
• Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• 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)
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 6% employer-matched pension in the UK
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and for high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

Please note that we can't offer visa sponsorship for this 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.

We're looking for an experienced Contract Project Manager to lead our regulations product change management initiative for a minimum 6-month duration. In this dynamic role, you will be responsible for driving product (app) changes to ensure compliance with evolving regulatory requirements. This position is inherently cross-functional, overseeing regulations-related product updates across 3+ squads.

Why are we hiring for this role?
Recent regulatory changes in the US affecting Earned Wage Access (EWA) services have necessitated immediate action to ensure compliance across our product suite. This includes consolidating essential legal and regulatory information for informed decision-making, translating legal requirements into actionable product changes and keeping senior stakeholders informed on the changes and their business impacts over time. Ensuring the easy accessibility of this vital information and data is paramount to facilitating prompt decision-making and ensuring alignment among all stakeholders.

Key Qualifications:

• Proven fast-paced tech project management: Demonstrated expertise in project management within high-growth tech companies, collaborating with multifaceted product teams, including engineers, designers, product managers, researchers, and analysts.
• Strategic alignment: A successful track record of harmonizing with leadership teams to distill requirements and convert them into actionable product roadmaps.
• Exemplary organization: Exceptional organizational acumen, ensuring the timely execution of regulation-related projects across the organization.
• Effective communication: Strong communication skills, keeping stakeholders informed of project progress.
• Decision facilitation: Proficiency in consolidating guidance and insights from internal and external sources to enable informed decisions and generate subsequent product team requirements.
• Nice to Have: Prior experience in FinTech and/or regulatory change management is a plus.

Location Details:

Our product squads operate within the UK/Europe region. Therefore, we are seeking candidates located in the UK or Europe, with a preference for those who can be present at our London office for 2 days a week.

What do you get for all your hard work?

• A competitive compensation package
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, Balderton & EQT Ventures
• 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

Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits

If you join us on a fixed term contract, you'll be eligible for the following benefits:

• • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo) pro-rata
  • 6% employer-matched pension
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • 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.

We're looking for an experienced People Partner to join our Partnerships team. You'll collaborate closely with the wider team and the Head of People Partnering, supporting all aspects of the People Agenda.

As a Subject Matter Expert in the Business and Central functions departments you'll provide consultative advice to leadership, tailored coaching, drive positive change, and lead on Employee Relations matters. You will also play a role in company-wide people initiatives, including learning and development, employee engagement, and performance management.

What you’ll be doing:

• You'll partner with Commercial, Finance and Operations to align their people strategies with the goals of those business areas, becoming a trusted, expert advisor.
• You'll be accountable to deliver tangible impact to your business areas: regretted attrition, engagement scores, organisational health and performance are all metrics you will be measured on, and that you should always have front of mind.
• You'll manage employee relations, providing expert support and recommending appropriate actions to address queries or problems. Proactively reviewing data to spot employee relations trends and suggest solutions, coaching Managers to tackle issues early on.
• You'll advise on organisational design based on growth, commercial activities, and intentions. Leading change programs and reorganisations, ensuring meaningful consultation and support throughout.
• You are able to provide tailored coaching to help upskill our leaders in a meaningful way.
• You'll create and deliver Learning and Development initiatives to enhance skills across the organisation.
• You'll administer key company wide programs like the Talent Review Cycle and Engagement Surveys, supporting data collation and integrity, fostering a culture of high performance and growth.
• You'll work closely with client groups on engagement data, supporting positive advancement and wider company initiatives. Reviewing engagement over time and conducting 121s and group forums during onboarding and exit points.
• You'll ideate and execute key work streams and projects within the People Roadmap, autonomously and collaboratively.
• You'll be a valuable support and subject matter expert to various teams within the People department, addressing queries and challenges.

About you

• You have 5+ years of experience working in a People Partner role within a fast growth, technology-led organisation, ideally supporting multiple geographies. Experience working with Commercial, Operations and Central Functions is a plus.
• Experience with Executive Coaching would be a great advantage.
• You have experience of employee relations and case management, including knowledge of UK employment laws and regulations.
• You have great attention to detail, a passion for delivering great people partnering experience and you can spot an opportunity to improve a process at a mile off.
• You will be experienced in handling sensitive matters with tact and diplomacy, you are comfortable having difficult conversations, working professionally and discreetly with sensitive information.
• Both the what and the how are important to us - explaining requirements/processes is key, but first comes the critical step of gaining buy-in from your stakeholders. Therefore, you'll have strong interpersonal and stakeholder management skills, building strong relationships with trust & confidence, as well as having the ability to influence.
• You’re an expert with Excel/Google Sheets, with high level knowledge of building charts and graphs, shortcuts, Pivot Tables, advanced formulas.

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ - This position is a BP2-BP3 level and we can pay £42,327 - £70,020 (GBP) depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• 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)
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 6% employer-matched pension in the UK
• Performance reviews every 8 months,
  • Generous pay increases for high performers and high-growth team members
  • Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

Interview Process

• Video-call with a member from the Talent Team - 30 minutes
• Video-call with Tamara Marsden (Head of People Partnering) - 45 minutes
• Video-call with Sinead Godson (People Partner) and Olivia Kellar (People Operations Lead) - 45 minutes
• Video-call with internal stakeholders: Chung Ip (CFO) and Tom Green (Global Head of Commercial) - 30 minutes
• Video-call with Giovanni Lotti (VP People) - 30-45 minutes

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.

You can also see our latest DE&I report here.

This role involves leading our new card product and building it into being a core part of the overall Cleo experience. The card will be at the center of our vision to help people spend better and smash fees.

Why spend better?

Spending is inevitable. For our most vulnerable users, their daily spending choices can affect their ability to cover the most basic necessities. For Cleo, spending better is an opportunity to help people become more aware of their spending habits, understand the areas to cut down, and make smarter choices when it comes to essential spending so they get more out of their money.

Why smash fees?

Bank fees are the silent killer: they’re designed to be confusing, hidden, and unfair.

We help people make payments on time, reduce credit utilization, and ultimately improve their credit scores. We want our users to reach real-world goals and outcomes such as buying a car, renting an apartment, accessing lower-cost credit, and being free of debt.

You will:

• Report directly to our Head of Product
• Own the vision, long term strategy, and product roadmap for the card
• Hire, build, develop, and lead a high performing product management team
• Work closely with your partners in product, engineering, design, user research, and data to ensure Cleo is delivering to business and users needs
• Consistently deliver impactful initiatives that deliver immense customer value and business results

We are looking for someone who has:

• Creativity. We're radically changing how people interact with and feel about their finances. This means thinking about problems in a different way, and we encourage PMs from all backgrounds to apply.
• Managed product managers
• Experience building both new products (0→1) as well as track record of shipping continuous product improvements to an existing product portfolio, ideally for a consumer-facing mobile app
• Energy and drive to ensure that your product is successful and has an impact. People would describe you as a force of nature who cares about their team

Why should I apply?

• We have a clear Product Manager career growth framework so you’ll understand from day 1 how to develop your career and improve your skills at Cleo
• You’ll be joining an open and collaborative team where you’ll be heard and get to make a difference
• You’ll have the opportunity to help shape our product practices and culture
• And to have an impact outside of your squad, working with other PMs in your tribe to define strategy and set Cleo up for success
• We’re at an exciting time in our growth, having doubled in size over the last 6 months, and we need strong PMs to come into the business to unlock our next stage of growth

How long will the process take?

We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

• Step 1: Quick phone call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 45 minutes with the Hiring Manager
• Step 3: Live product case study interview, which will then be presented to one of our Product Leads and Lead Product Designers
• Step 4: 45 minutes with cross-functional peers from two members of design, data, engineering, and commercial

What do you get for all your hard work?

• A competitive compensation package (base + equity) with reviews every 8 months. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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

Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits

• • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • 6% employer-matched pension
  • Performance reviews every 8 months,
    • Generous pay increases for high performers and for high-growth team members
    • Equity top ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.

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.

The role:

You’ll be a key member of our card pillar that is responsible for Cleo’s Credit Builder card and Direct Deposit products. You’ll be working on a new 0 → 1 credit card product to add to our existing suite of products.

In your first 90 days you will:

• Work closely with your lead designer to craft a best in class customer experience for applying for, managing and transacting on the Cleo credit card
• Work with our chat and coaching teams to develop a strategy for how AI and coaching can help us develop our credit card proposition and help people to use it responsibly
• Work with members of our operations team to gain a deep understanding of flow of funds, fraud prevention, banking integrations and other key partnerships needed to come together to deliver a new credit card product in a short period of time
• Work with the commercial team to understand the unit economics of a credit card and how we can set up this new card to be a commercial success
• Work with the marketing team to develop positioning and product marketing for the card to help us reach our desired market and differentiate ourselves from competitors

In your first 6 months you will:

• Lead a cross functional team to build and launch our first credit card
• Work with the Group Product Manager for card to develop a comprehensive strategy for the long term future of credit cards at Cleo
• Help your squad find the right balance of optimisation, quality and new feature development
• Work with fraud, underwriting and payments teams to build and optimise world class fraud, collections and underwriting processes that allow us to offer credit to people traditionally underserved by credit products
• Co-ordinate and manage internal and external testing for the new credit card

You should apply if you:

• As a guide, you'll have 5+ years of experience in a product role and have worked on a credit card product before, ideally with experience building a credit card product from 0→1
• Enjoy being hands on with a cross functional team of analysts, designers, data scientists and engineers
• Able to say “no” more than you say “yes” to keep the squads focused on the most impactful priorities, but also able to communicate clearly with stakeholders and get alignment
• Work collaboratively with your product squad and involve them in strategy and decision-making
• Bring creativity into how we approach financial products. We're radically changing how people interact with and feel about their finances. This means thinking about problems in a different way, and we encourage PMs from all backgrounds to apply.
• Bring energy and drive to ensure your product is successful. People would describe you as a force of nature who cares about their team

How long will the process take?

We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

• Step 1: Call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 45-60 minutes with our Group Product Manager for Card
• Step 3: Live product task interview, to be presented to a couple of our team
• Step 4: 45 minutes each with two cross-functional peers from Engineering, Design or Analytics

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ This role is level PM4
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love for 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;

• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months,
  • Generous pay increases for high performers and high-growth team members
  • Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• 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.

The role:

You’ll be a key member of our Machine Learning and Chat pillar that is responsible for Cleo’s ability to have meaningful and delightful conversations with our users. As a Lead Product Manager, you'll work closely with a cross-functional squad of engineers, designers, data scientists, analysts and writers on an area of our ML and chat tooling, as well as managing two other Senior Product Managers in the ML/Chat pillar.

Outcome 1: Improve Cleo’s ability to converse with, guide and coach our users

• Continue to improve our contextual intent recogniser so we have chatflows that cover a broad set of user jobs to be done
• Tune LLMs for our major user intents, ensuring that they reflect Cleo’s tone of voice and personality
• Ensure we have tools to quickly create and manage new intents, chatflows and replies

Outcome 2: Increase our understanding of users’ financial data and goals in order to have meaningful conversations

• Focus on accurate identification and categorisation of users’ income, bills, expenses, savings and debts
• Increase user engagement with chat, and chat as a driver of retention
• Ensure that the squad’s work aligns with the strategic direction/discovery work from other squads on what users are willing to pay for in the financial advice/coaching space

You should apply if you:

• As a guide, you'll have 7+ years of experience in a product role involving data science/machine learning, experience in personalisation/recommendations is a plus
• Enjoy being hands on with a cross functional team of analysts, designers, data scientists and engineers
• Able to say “no” more than you say “yes” to keep the squads focused on the most impactful priorities, but also able to communicate clearly with stakeholders and get alignment
• Work collaboratively with your product squad and involve them in strategy and decision-making
• Bring creativity into how we approach financial products. We're radically changing how people interact with and feel about their finances. This means thinking about problems in a different way, and we encourage PMs from all backgrounds to apply.
• Bring energy and drive to ensure your product is successful. People would describe you as a force of nature who cares about their team

How long will the process take?

We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

• Step 1: Call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 45-60 minutes with another of our ML focused Product Managers
• Step 3: Live product task interview, to be presented to one of our Product Managers and Data Scientists
• Step 4: 45 minutes each with two cross-functional peers from Engineering, Design or Analytics

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ This role is level PM4/5
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 work to live, we don’t live to work. Cleo works with everyone on our team to ensure that they have the balance they need to reach their full potential.
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love for 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;

• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months,
  • Generous pay increases for high performers and high-growth team members
  • Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.

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.

You can also see our latest DE&I report here.

We’re looking for a contract Product Lead to help us lead our credit builder card teams and oversee our newly established credit card team for 6 months while we hire for a permanent candidate.

This role involves leading our card product and building it into being a core part of the overall Cleo experience. The card will be at the center of our vision to help people spend better and smash fees.

Why spend better?

Spending is inevitable. For our most vulnerable users, their daily spending choices can affect their ability to cover the most basic necessities. For Cleo, spending better is an opportunity to help people become more aware of their spending habits, understand the areas to cut down, and make smarter choices when it comes to essential spending so they get more out of their money.

Why smash fees?

Bank fees are the silent killer: they’re designed to be confusing, hidden, and unfair.

We help people make payments on time, reduce credit utilization, and ultimately improve their credit scores. We want our users to reach real-world goals and outcomes such as buying a car, renting an apartment, accessing lower-cost credit, and being free of debt.

You will:

• Report directly to our Head of Product
• Own the vision, long term strategy, and product roadmap for the card
• Hire, build, develop, and lead a high performing product management team
• Work closely with your partners in product, engineering, design, user research, and data to ensure Cleo is delivering to business and users needs
• Consistently deliver impactful initiatives that deliver immense customer value and business results

We are looking for someone who has:

• Creativity. We're radically changing how people interact with and feel about their finances. This means thinking about problems in a different way, and we encourage PMs from all backgrounds to apply.
• Managed product managers
• Experience building both new products (0→1) as well as track record of shipping continuous product improvements to an existing product portfolio, ideally for a consumer-facing mobile app
• Energy and drive to ensure that your product is successful and has an impact. People would describe you as a force of nature who cares about their team
• Experience in managing senior stakeholders

Why should I apply?

• You’ll be joining an open and collaborative team where you’ll be heard and get to make a difference
• We move fast so you’ll have the opportunity to help shape our product practices and culture
• And to have an impact outside of your squad, working with other PMs in your tribe to define strategy and set Cleo up for success
• We’re at an exciting time in our growth, having doubled in size over the last 6 months, and we need strong PMs to come into the business to unlock our next stage of growth

How long will the process take?

We aim to move as fast as possible. Usually 2 weeks is enough time for us all to get to know each other.

• Step 1: Quick phone call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 45 minutes with the Hiring Manager
• Step 3: Live product case study interview, which will then be presented to one of our Product Leads and Lead Product Designers
• Step 4: 45 minutes with cross-functional peers from two members of design, data, engineering, and commercial

What do you get for all your hard work?

• A competitive compensation package
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, Balderton & EQT Ventures
• 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

Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits

If you join us on a fixed term contract, you'll be eligible for the following benefits:

• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months,
• Generous pay increases for high performers and for high-growth team members
• Equity top ups for team members getting promoted
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. 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.

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.

This role involves spearheading new 0-1 greenfield product’s from concept through to launch, and all the steps in between.

We’re already helping people spend better, avoid overdraft fees and build their credit score but this is just the beginning. We also want to reduce their debt, minimise bills and bump up their savings too.

You’ll be responsible for the discovery, experimentation, validation and commercial success of new products that solve some of our users’ biggest financial problems.

You will:

• Own the vision, long term strategy, and product roadmap for our ‘Habits’ product team. The goal of Habits is to help people form better spending habits, track spending patterns and start to save or invest more.
• Work closely with your partners in product, engineering, design, user research, and data from pilot to growth
• Develop a deep understanding of our users and help them improve their financial health
• Figure out product profitability, product market fit and drive business success
• Report directly to our Group Product Manager

We’re looking for someone who has:

• Creativity. We're radically changing how people interact with and feel about their finances. This means thinking about problems in a different way, and we encourage PMs from all backgrounds to apply.
• Experience building highly impactful and commercially viable new products (0→1), particularly focused around habit formation
• Worked on consumer digital products and understands how digital products can induce good behaviour change.
• Energy and drive to ensure your product is successful. People would describe you as a force of nature who cares about their team

Why should I apply?

• We have a clear Product Manager career growth framework so you’ll understand from day 1 how to develop your career and improve your skills at Cleo
• You’ll be joining an open and collaborative team where your voice will be and you get to make a difference
• You’ll have the opportunity to help shape our product practices and culture
• And be able to have impact outside of your squad, working with other PMs in your tribe to define strategy and set Cleo up for success

How long will the process take?

We aim to move as fast as possible. Usually 2-3 weeks is enough time for us all to get to know each other.

• Step 1: 30 min phone call with a member of our Talent Team to find out more about your experience and why you want to work at Cleo
• Step 2: 45 minutes with the Hiring Manager
• Step 3: Live product case study interview, to be presented to one of our Product Leads and Lead Product Designers
• Step 4: 45 minutes with cross-functional peers from two members of experience, data, engineering, and commercial followed by a final wrap-up interview to meet our CEO and Founder Barney

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/ (this role is PM3/4 level)
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, 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 encourage you to spend one day a week or more in our beautiful office but this is fully flexible. If you’re 2+ hours outside of London, we’ll encourage you to spend a couple of days with us in-person a few times per year - and we’ll cover your travel costs, naturally.
• Other benefits;
  • Generous pay increases for high performers and for high-growth team members
  • Equity top ups for team members getting promoted
• Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 6% employer-matched pension
• Performance reviews every 8 months,
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• And many more!

UK App access: The Cleo app is no longer downloadable in the UK. If you’re an existing user, you’ll still have access to the app. But some features won’t be available. 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.