Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Meet the team 👥
Hi, I’m Taten 👋 Chief Operating Officer at Cleo. I lead the teams that help Cleo operate and scale effectively, spanning People & Talent, Legal, Compliance & Policy, Operations, and Partnerships. Together, these teams build the capabilities, relationships, processes and foundations that enable Cleo to grow responsibly while delivering for our customers.
We’re looking for people with strong judgment, deep curiosity, and a drive for getting things right. You’ll own your area, move quickly, and stay close to the details all while partnering with leaders and teams across Cleo to solve complex problems and drive meaningful progress. This is a great environment for thoughtful, enterprise-minded people who know when to bring others along and when to seek a different perspective. If you can balance principle with pragmatism, bring clarity to complexity, and want to help build a company that grows with intention, Cleo is a place where you can have real impact.
About the Role ✍️
We're looking for an experienced Senior People Partner to join our Partnerships team. You'll collaborate closely with the wider team and the Head of People Partnerships, supporting all aspects of the People Agenda. As a Subject Matter Expert in Engineering and Data Science departments, you'll provide consultative advice to leadership, tailored coaching, drive positive change, and lead on complex Employee Relations matters. You will also play a role in company-wide people initiatives, including learning and development, employee engagement, and performance management.
Key responsibilities for this role include:
Partnering with the Engineering and Data Science business areas to align their people strategies with the goals of those business areas, becoming a trusted, expert advisor.
Administering key company wide programs like the Performance Review Cycle and Performance Check Ins, supporting data collation and integrity, fostering a culture of high performance and growth.
Managing 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.
Working 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.
Providing tailored coaching to help up skill our leaders in a meaningful way.
Delivering 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.
Creating and delivering Learning and Development initiatives to enhance skills across the organisation.
Ideating and execute key work streams and projects within the People Roadmap, autonomously and collaboratively.
Acting as a valuable support and subject matter expert to various teams within the People department, addressing queries and challenges
What We're Looking For 🕵️
4+ years of experience working in a People Partner role within a fast growth, technology-led organisation, ideally supporting multiple geographies.
Proven experience partnering with technology teams, specifically Engineering and Data Science.
Experience with Executive Coaching would be a great advantage.
Hands-on experience managing complex employee relations and case management, including knowledge of UK employment laws and regulations.
Great attention to detail, a passion for delivering great customer experience and you can spot an opportunity to improve a process at a mile off.
Experience handling sensitive matters with tact and diplomacy, you are comfortable having difficult conversations, working professionally and discreetly with sensitive information.
Strong interpersonal and stakeholder management skills. Both the what and the how matter to us: explaining requirements and processes is key, but first comes the critical step of gaining stakeholder buy-in. You’ll build strong relationships based on trust and confidence, and have the ability to influence.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\nMeet the team 👥\nHi, I’m Taten 👋 Chief Operating Officer at Cleo. I lead the teams that help Cleo operate and scale effectively, spanning People & Talent, Legal, Compliance & Policy, Operations, and Partnerships. Together, these teams build the capabilities, relationships, processes and foundations that enable Cleo to grow responsibly while delivering for our customers.\n\nWe’re looking for people with strong judgment, deep curiosity, and a drive for getting things right. You’ll own your area, move quickly, and stay close to the details all while partnering with leaders and teams across Cleo to solve complex problems and drive meaningful progress. This is a great environment for thoughtful, enterprise-minded people who know when to bring others along and when to seek a different perspective. If you can balance principle with pragmatism, bring clarity to complexity, and want to help build a company that grows with intention, Cleo is a place where you can have real impact.\n\nAbout the Role ✍️\nWe're looking for an experienced Senior People Partner to join our Partnerships team. You'll collaborate closely with the wider team and the Head of People Partnerships, supporting all aspects of the People Agenda. As a Subject Matter Expert in Engineering and Data Science departments, you'll provide consultative advice to leadership, tailored coaching, drive positive change, and lead on complex Employee Relations matters. You will also play a role in company-wide people initiatives, including learning and development, employee engagement, and performance management.\n\nKey responsibilities for this role include:\n\n - Partnering with the Engineering and Data Science business areas to align their people strategies with the goals of those business areas, becoming a trusted, expert advisor.\n\n - Administering key company wide programs like the Performance Review Cycle and Performance Check Ins, supporting data collation and integrity, fostering a culture of high performance and growth.\n\n - Managing 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.\n\n - Working 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.\n\n - Providing tailored coaching to help up skill our leaders in a meaningful way.\n\n - Delivering 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.\n\n - Creating and delivering Learning and Development initiatives to enhance skills across the organisation.\n\n - Ideating and execute key work streams and projects within the People Roadmap, autonomously and collaboratively.\n\n - Acting as a valuable support and subject matter expert to various teams within the People department, addressing queries and challenges \n\n\nWhat We're Looking For 🕵️\n\n - 4+ years of experience working in a People Partner role within a fast growth, technology-led organisation, ideally supporting multiple geographies.\n\n - Proven experience partnering with technology teams, specifically Engineering and Data Science.\n\n - Experience with Executive Coaching would be a great advantage.\n\n - Hands-on experience managing complex employee relations and case management, including knowledge of UK employment laws and regulations.\n\n - Great attention to detail, a passion for delivering great customer experience and you can spot an opportunity to improve a process at a mile off.\n\n - Experience handling sensitive matters with tact and diplomacy, you are comfortable having difficult conversations, working professionally and discreetly with sensitive information.\n\n - Strong interpersonal and stakeholder management skills. Both the what and the how matter to us: explaining requirements and processes is key, but first comes the critical step of gaining stakeholder buy-in. You’ll build strong relationships based on trust and confidence, and have the ability to influence.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"fc10e8e9-7dff-42ef-a1e1-fbe6bae6a66c","title":"Head of Data Science, Credit Risk Analytics","department":"Technology","team":"Manager","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"United States","address":{"postalAddress":{"addressCountry":"United States"}}}],"publishedAt":"2026-09-09T14:19:57.665+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/fc10e8e9-7dff-42ef-a1e1-fbe6bae6a66c","applyUrl":"https://jobs.ashbyhq.com/cleo-2/fc10e8e9-7dff-42ef-a1e1-fbe6bae6a66c/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.
We're hiring a Head of Data Science to lead credit performance measurement and monitoring within our Risk & Payments pillar. This is a player-coach role: you'll manage a team of Credit Data Scientists and Analysts, splitting your time between hands-on analysis and leading the team - setting direction, developing people, and owning the function's output.
You'll own the frameworks and metrics that keep our credit products healthy, and drive the deep-dive analyses that explain performance shifts and turn them into action. Key areas of impact:
Own credit performance measurement - design and maintain Cleo's risk metric framework (arrears, default, yield, LTV, marginal loss), and the dashboards/alerts that catch arrears spikes, roll-rate shifts, and decisioning anomalies early.
Bridge model health and business decisions - partner with Risk Modelling to translate model metrics (AUC, PSI, calibration, drift) into policy and product recommendations, and diagnose whether performance moves are model-driven, macro, or operational.
Lead root-cause analysis - own investigations end-to-end (question → analysis → recommendation) on issues like arrears spikes or yield compression, using driver analysis (SHAP, feature importance, decomposition), and present findings to Risk, Product, and Leadership.
Support policy and decisioning - work with Credit Policy and Decision Science to build evaluation frameworks for policy changes, quantify their marginal impact, and support elasticity/profitability modelling on pricing and limits.
Manage and develop a team - directly manage Credit Data Scientists and Analysts: set priorities, manage performance, and grow the team, not just direct project work.
Strong SQL and Python skills, comfortable working directly from the warehouse
Track record owning analyses end-to-end - from framing the question to shipping a recommended change
Hands-on experience with predictive models (credit, fraud, or similar), fluent in AUC/Gini, calibration, PSI/CSI, and drift
Fluency in credit portfolio metrics (arrears buckets, roll rates, loss rate, yield/marginal loss) and how they tie to unit economics
Experience directly managing analysts or data scientists - priorities, performance, and people development
Nice to have: experience with short-term or revolving credit products
Nice to have: experience with both UK and US regulatory frameworks
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\n\n\nMEET THE TEAM 👥\n\nHere at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe're hiring a Head of Data Science to lead credit performance measurement and monitoring within our Risk & Payments pillar. This is a player-coach role: you'll manage a team of Credit Data Scientists and Analysts, splitting your time between hands-on analysis and leading the team - setting direction, developing people, and owning the function's output.\n\nYou'll own the frameworks and metrics that keep our credit products healthy, and drive the deep-dive analyses that explain performance shifts and turn them into action. Key areas of impact:\n\n - Own credit performance measurement - design and maintain Cleo's risk metric framework (arrears, default, yield, LTV, marginal loss), and the dashboards/alerts that catch arrears spikes, roll-rate shifts, and decisioning anomalies early.\n\n - Bridge model health and business decisions - partner with Risk Modelling to translate model metrics (AUC, PSI, calibration, drift) into policy and product recommendations, and diagnose whether performance moves are model-driven, macro, or operational.\n\n - Lead root-cause analysis - own investigations end-to-end (question → analysis → recommendation) on issues like arrears spikes or yield compression, using driver analysis (SHAP, feature importance, decomposition), and present findings to Risk, Product, and Leadership.\n\n - Support policy and decisioning - work with Credit Policy and Decision Science to build evaluation frameworks for policy changes, quantify their marginal impact, and support elasticity/profitability modelling on pricing and limits.\n\n - Manage and develop a team - directly manage Credit Data Scientists and Analysts: set priorities, manage performance, and grow the team, not just direct project work.\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - Strong SQL and Python skills, comfortable working directly from the warehouse\n\n - Track record owning analyses end-to-end - from framing the question to shipping a recommended change\n\n - Hands-on experience with predictive models (credit, fraud, or similar), fluent in AUC/Gini, calibration, PSI/CSI, and drift\n\n - Fluency in credit portfolio metrics (arrears buckets, roll rates, loss rate, yield/marginal loss) and how they tie to unit economics\n\n - Experience directly managing analysts or data scientists - priorities, performance, and people development\n\n - Nice to have: experience with short-term or revolving credit products\n\n - Nice to have: experience with both UK and US regulatory frameworks\n \n \n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"e6324ec0-6e76-463d-8e4f-5f6c914bd40c","title":"Head of Treasury ","department":"Finance","team":"Strategic Finance","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"United States","address":{"postalAddress":{"addressCountry":"United States"}}}],"publishedAt":"2026-09-10T09:39:40.817+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/e6324ec0-6e76-463d-8e4f-5f6c914bd40c","applyUrl":"https://jobs.ashbyhq.com/cleo-2/e6324ec0-6e76-463d-8e4f-5f6c914bd40c/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Hello 👋 I'm Kyle, VP Finance at Cleo. Im excited to be growing our Finance team as Cleo enters its next stage of scaling.
Finance at Cleo is about much more than reporting the numbers. We help the business understand its economics, make better decisions, allocate capital, and build the financial infrastructure needed to scale.
Today, our team of ~25 spans Controllership, Financial Operations, Treasury, FP&A, Strategic Finance, Capital Markets, and Investor Relations, supported by a dedicated Data Science team working across all areas.
We work closely with teams across Cleo, and we expect our people to understand the business, take real ownership, and master their craft.
It’s an exciting time to join: the company is growing quickly, the problems are getting more interesting, and there is a huge amount still to build.
About the Role ✍️
We are currently hiring a Head of Treasury (L5) reporting to the VP of Finance. As Cleo has scaled, so has the complexity of cash moving through the business - you'll bring together liquidity management, cash forecasting, banking infrastructure, funding operations and FX strategy into a single, scalable treasury function built for a fast-growing consumer lending platform operating across multiple facilities and geographies.
Key responsibilities for this role include:
Own Cleo's group-wide liquidity strategy, building short, medium and long-term cash forecasts across entities, currencies and funding sources, and translating them into recommendations on capital allocation and funding needs
Own daily cash positioning and treasury operations supporting Cleo's lending facilities - drawdowns, repayments, settlements and collateral movements - partnering closely with Capital Markets to ensure facilities run efficiently
Strengthen cash controls, reconciliations and audit readiness with Core Finance and Finance Operations, and establish treasury policies and governance that support scale and public-company readiness
Define the roadmap for treasury systems, data and automation, reducing reliance on manual processes, and build clear reporting and dashboards across liquidity, funding capacity and facility utilisation
Establish operating rhythms across FP&A, Accounting, Capital Markets, Engineering and Operations so cash movements and forecasts are coordinated, transparent and auditable
Own Cleo's FX strategy - identify and manage currency exposure across a multi-currency, multi-geography business, and run and improve the hedging programme, from setting risk policy to executing hedges and reporting exposure to leadership
Scope and hire your first Treasury Operations team member, then grow the function as the business does
What We're Looking For 🕵️
You've built treasury before - stood up or materially transformed a treasury function, not just run one that already existed, in fintech, consumer lending, financial services, or another highly regulated environment
Consumer-lending fluency, with an understanding of warehouse facilities, borrowing bases, receivables financing, settlement flows and bank partnerships, comfortable supporting multiple concurrent facilities alongside a Capital Markets team
Hands-on and strategic - you enjoy building from first principles (operating model, controls, systems) and are equally comfortable approving a wire or designing the policy that governs it
Forecasting and analytical rigour, having built models and frameworks that leadership actually makes decisions on
Cross-functional influence, able to bring Finance, Accounting, Capital Markets, Engineering, Product and Operations along with you and explain complex treasury concepts to an exec audience
Bias to action, zero ego - this role exists because complexity is outrunning capacity, and you'll ship a better setup quickly
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHello 👋 I'm Kyle, VP Finance at Cleo. Im excited to be growing our Finance team as Cleo enters its next stage of scaling. \n\nFinance at Cleo is about much more than reporting the numbers. We help the business understand its economics, make better decisions, allocate capital, and build the financial infrastructure needed to scale.\n\nToday, our team of ~25 spans Controllership, Financial Operations, Treasury, FP&A, Strategic Finance, Capital Markets, and Investor Relations, supported by a dedicated Data Science team working across all areas.\n\nWe work closely with teams across Cleo, and we expect our people to understand the business, take real ownership, and master their craft.\n\nIt’s an exciting time to join: the company is growing quickly, the problems are getting more interesting, and there is a huge amount still to build.\n\nAbout the Role ✍️\n\nWe are currently hiring a Head of Treasury (L5) reporting to the VP of Finance. As Cleo has scaled, so has the complexity of cash moving through the business - you'll bring together liquidity management, cash forecasting, banking infrastructure, funding operations and FX strategy into a single, scalable treasury function built for a fast-growing consumer lending platform operating across multiple facilities and geographies.\n\nKey responsibilities for this role include:\n\n - Own Cleo's group-wide liquidity strategy, building short, medium and long-term cash forecasts across entities, currencies and funding sources, and translating them into recommendations on capital allocation and funding needs\n\n - Own daily cash positioning and treasury operations supporting Cleo's lending facilities - drawdowns, repayments, settlements and collateral movements - partnering closely with Capital Markets to ensure facilities run efficiently\n\n - Strengthen cash controls, reconciliations and audit readiness with Core Finance and Finance Operations, and establish treasury policies and governance that support scale and public-company readiness\n\n - Define the roadmap for treasury systems, data and automation, reducing reliance on manual processes, and build clear reporting and dashboards across liquidity, funding capacity and facility utilisation\n\n - Establish operating rhythms across FP&A, Accounting, Capital Markets, Engineering and Operations so cash movements and forecasts are coordinated, transparent and auditable\n\n - Own Cleo's FX strategy - identify and manage currency exposure across a multi-currency, multi-geography business, and run and improve the hedging programme, from setting risk policy to executing hedges and reporting exposure to leadership\n\n - Scope and hire your first Treasury Operations team member, then grow the function as the business does\n\nWhat We're Looking For 🕵️\n\n - You've built treasury before - stood up or materially transformed a treasury function, not just run one that already existed, in fintech, consumer lending, financial services, or another highly regulated environment\n\n - Consumer-lending fluency, with an understanding of warehouse facilities, borrowing bases, receivables financing, settlement flows and bank partnerships, comfortable supporting multiple concurrent facilities alongside a Capital Markets team\n\n - Hands-on and strategic - you enjoy building from first principles (operating model, controls, systems) and are equally comfortable approving a wire or designing the policy that governs it\n\n - Forecasting and analytical rigour, having built models and frameworks that leadership actually makes decisions on\n\n - Cross-functional influence, able to bring Finance, Accounting, Capital Markets, Engineering, Product and Operations along with you and explain complex treasury concepts to an exec audience\n\n - Bias to action, zero ego - this role exists because complexity is outrunning capacity, and you'll ship a better setup quickly\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"eeed745f-5b1d-46e7-8381-7d1352f1d0b2","title":"Backend Engineers (Polyglot)","department":"Technology","team":"Backend","employmentType":"FullTime","location":"United Kingdom (Remote)","secondaryLocations":[{"location":"United Kingdom (Hybrid)","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}}}],"publishedAt":"2026-09-10T10:17:14.811+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United Kingdom"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/eeed745f-5b1d-46e7-8381-7d1352f1d0b2","applyUrl":"https://jobs.ashbyhq.com/cleo-2/eeed745f-5b1d-46e7-8381-7d1352f1d0b2/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.
We're hiring Senior Backend Engineers to join one of our cross-functional product squads - working closely with other engineers, designers, analysts, and product partners to build features that improve our users' financial health.
We care far more about how you think than which language you've used before. Much of our product runs on Ruby today, but we deliberately hire polyglot engineers: if you've shipped meaningful product work in any modern stack, you'll ramp quickly here.
Key responsibilities for this role include:
Shape the direction of upcoming work - break down ambiguous problems with your squad and help drive projects from early discovery through to shipped impact
Build and evolve the APIs, data models, and business logic behind our product; no Ruby experience required, just strong fundamentals and sound judgement on trade-offs
Contribute to testing, observability, and experimentation, and help continuously raise the bar on developer experience and product quality
Drive high-impact initiatives such as our secured credit card, budgeting and financial insight features, and subscription/pricing experiments
Mentor engineers at your level and beyond, share knowledge generously, and help build a culture where people grow quickly and have real influence
An experienced engineer with solid fundamentals, having worked across any modern tech stack - the specific language matters less than your ability to reason clearly, learn quickly, and think in trade-offs
A track record of writing maintainable, thoughtful code and making sound technical decisions with minimal oversight
Comfortable working with Ruby, or confident you can ramp up quickly in it - deep Ruby experience isn't required
Strong collaboration skills with product, design, and data partners, with genuine curiosity about users and their problems
Experience mentoring or raising the bar for engineers around you, and contributing positively to team culture
Motivated by Cleo's mission - you care about building products that genuinely improve people's financial health
Alignment with our engineering principles - autonomy, accountability, pragmatism, and building things that matter
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM\n\nHere at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.\n\n\n\n\nABOUT THE ROLE\n\nWe're hiring Senior Backend Engineers to join one of our cross-functional product squads - working closely with other engineers, designers, analysts, and product partners to build features that improve our users' financial health.\n\nWe care far more about how you think than which language you've used before. Much of our product runs on Ruby today, but we deliberately hire polyglot engineers: if you've shipped meaningful product work in any modern stack, you'll ramp quickly here.\n\nKey responsibilities for this role include:\n\n - Shape the direction of upcoming work - break down ambiguous problems with your squad and help drive projects from early discovery through to shipped impact\n\n - Build and evolve the APIs, data models, and business logic behind our product; no Ruby experience required, just strong fundamentals and sound judgement on trade-offs\n\n - Contribute to testing, observability, and experimentation, and help continuously raise the bar on developer experience and product quality\n\n - Drive high-impact initiatives such as our secured credit card, budgeting and financial insight features, and subscription/pricing experiments\n\n - Mentor engineers at your level and beyond, share knowledge generously, and help build a culture where people grow quickly and have real influence\n\n\nWHAT WE'RE LOOKING FOR\n\n - An experienced engineer with solid fundamentals, having worked across any modern tech stack - the specific language matters less than your ability to reason clearly, learn quickly, and think in trade-offs\n\n - A track record of writing maintainable, thoughtful code and making sound technical decisions with minimal oversight\n\n - Comfortable working with Ruby, or confident you can ramp up quickly in it - deep Ruby experience isn't required\n\n - Strong collaboration skills with product, design, and data partners, with genuine curiosity about users and their problems\n\n - Experience mentoring or raising the bar for engineers around you, and contributing positively to team culture\n\n - Motivated by Cleo's mission - you care about building products that genuinely improve people's financial health\n\n - Alignment with our engineering principles https://web.meetcleo.com/blog/cleo-engineering-principles - autonomy, accountability, pragmatism, and building things that matter\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"5e8a42fd-acaa-4f4d-b234-1df463b87553","title":"Backend Engineers (Ruby)","department":"Technology","team":"Backend","employmentType":"FullTime","location":"United Kingdom (Remote)","secondaryLocations":[{"location":"United Kingdom (Hybrid)","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}}}],"publishedAt":"2026-09-09T13:54:09.640+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United Kingdom"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/5e8a42fd-acaa-4f4d-b234-1df463b87553","applyUrl":"https://jobs.ashbyhq.com/cleo-2/5e8a42fd-acaa-4f4d-b234-1df463b87553/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.
We're hiring Backend Engineers to join one of our cross-functional product squads - working closely with other engineers, designers, analysts, and other disciplines to build features that improve our users' financial health.
Key responsibilities for this role include:
Work on our Ruby on Rails monolith, building data models, APIs, and business logic services
Collaborate with peers across your squad and pillar, providing technical insight into upcoming work and helping pull the team together to ship it
Deliver your work using agile methodologies and tools like tests, observability, A/B tests, and feature flags
Mentor colleagues to help them grow as engineers, and actively support their development
Contribute to cross-cutting concerns that raise the bar across engineering
Shape your squad's work beyond the technical - take part in product ideation, user research, design reviews, and retrospectives
Solid experience with Ruby on Rails, building data models, APIs, and business logic services in a production monolith
Comfortable delivering with agile methodologies and practices like automated testing, observability, A/B testing, and feature flags
A collaborative approach — you work well with product, design, and analytics partners, and enjoy shaping work beyond just the technical bits
Experience mentoring colleagues and supporting their growth as engineers
Alignment with our company values and engineering principles
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\n\n\nMEET THE TEAM 👥\n\nHere at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe're hiring Backend Engineers to join one of our cross-functional product squads - working closely with other engineers, designers, analysts, and other disciplines to build features that improve our users' financial health.\n\nKey responsibilities for this role include:\n\n - Work on our Ruby on Rails monolith, building data models, APIs, and business logic services\n\n - Collaborate with peers across your squad and pillar, providing technical insight into upcoming work and helping pull the team together to ship it\n\n - Deliver your work using agile methodologies and tools like tests, observability, A/B tests, and feature flags\n\n - Mentor colleagues to help them grow as engineers, and actively support their development\n\n - Contribute to cross-cutting concerns that raise the bar across engineering\n\n - Shape your squad's work beyond the technical - take part in product ideation, user research, design reviews, and retrospectives\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - Solid experience with Ruby on Rails, building data models, APIs, and business logic services in a production monolith\n\n - Comfortable delivering with agile methodologies and practices like automated testing, observability, A/B testing, and feature flags\n\n - A collaborative approach — you work well with product, design, and analytics partners, and enjoy shaping work beyond just the technical bits\n\n - Experience mentoring colleagues and supporting their growth as engineers\n\n - Alignment with our company values https://web.meetcleo.com/life-at-cleo and engineering principles https://web.meetcleo.com/blog/cleo-engineering-principles\n \n \n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"bc9952bb-f7fb-4c46-b2c0-6d649fbaadc6","title":"Senior Credit Analyst","department":"Credit","team":"Credit","employmentType":"FullTime","location":"United States","secondaryLocations":[],"publishedAt":"2026-10-23T16:03:19.378+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United States"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/bc9952bb-f7fb-4c46-b2c0-6d649fbaadc6","applyUrl":"https://jobs.ashbyhq.com/cleo-2/bc9952bb-f7fb-4c46-b2c0-6d649fbaadc6/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.
We're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK.
Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience
Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products
Apply quantitative analytics to understand risk drivers and recommend mitigation strategies
Build dashboards to monitor and report on credit product performance
Design, run, and analyse experiments across our credit product
Apply state-of-the-art techniques to combat and mitigate fraud risk
Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business
Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus
3-5 years of analytical experience, preferably in a credit risk role at a FinTech company
Experience designing lending products compliant with US state and federal regulations
Experience with SQL, Python, or other statistical modelling tools
Advanced Microsoft Excel skills
Experience adopting AI tools within day-to-day work
Experience/knowledge of working with A/B testing
Nice to have: experience with Python for data analysis (Pandas or NumPy)
Nice to have: knowledge of state-of-the-art machine learning techniques
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo we have team of ~135 member in our Borrow Pillar and ~8 dedicated to Credit Policy and Analytics. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe're hiring a Senior Credit Risk Analyst to help build our next generation of credit underwriting models and strategy, within Credit Policy & Analytics. You'll work at the heart of our credit expansion - supporting EWA (scaling 2x every year) and new launches like BNPL across the US and UK.\n\n - Use Cleo's proprietary and third-party data to reduce loss rates and improve customer experience\n\n - Optimise risk thresholds, policies, and strategy to expand member access and eligibility for our credit products\n\n - Apply quantitative analytics to understand risk drivers and recommend mitigation strategies\n\n - Build dashboards to monitor and report on credit product performance\n\n - Design, run, and analyse experiments across our credit product\n\n - Apply state-of-the-art techniques to combat and mitigate fraud risk\n\n - Influence credit policy, portfolio performance, and customer outcomes directly through your analysis, with exposure to senior stakeholders across the business\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - Bachelor's degree in Engineering, Math, Finance, or another quantitative discipline; Master's is a plus\n\n - 3-5 years of analytical experience, preferably in a credit risk role at a FinTech company\n\n - Experience designing lending products compliant with US state and federal regulations\n\n - Experience with SQL, Python, or other statistical modelling tools\n\n - Advanced Microsoft Excel skills\n\n - Experience adopting AI tools within day-to-day work\n\n - Experience/knowledge of working with A/B testing\n\n - Nice to have: experience with Python for data analysis (Pandas or NumPy)\n\n - Nice to have: knowledge of state-of-the-art machine learning techniques\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"8ecd8f71-7b1b-4cbb-aaf8-c832224625ba","title":"Staff Engineer","department":"Technology","team":"Software Engineering","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}}],"publishedAt":"2026-09-09T16:13:14.895+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/8ecd8f71-7b1b-4cbb-aaf8-c832224625ba","applyUrl":"https://jobs.ashbyhq.com/cleo-2/8ecd8f71-7b1b-4cbb-aaf8-c832224625ba/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~200 Engineers organised into Pillars. ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development, and growth.
We're hiring a Staff Backend Engineer for our Financial Assistant Pillar. You'll shape technical direction and drive delivery across multiple functional product squads.
Key responsibilities for this role include:
Partnering with senior peers to define architecture and lead complex, high-impact initiatives
Bringing teams together to ship ambitious product work that improves users’ financial health
Building shared systems, patterns, and tooling that raise the bar across engineering
Staying hands-on in our Ruby on Rails monolith -- designing APIs, data models, and scalable services
Anticipating risks and opportunities early, influencing plans and technical strategy
Mentoring engineers and TLs, growing the next generation of technical leaders
You’re excited by the opportunity to own and influence technical direction at a pillar level
You’ve operated at senior/staff level across multiple teams or complex domains
You bring strong technical judgment and think in long-term, scalable solutions
You’re comfortable leading without authority and aligning teams around a shared direction
You have a track record of building systems and practices used beyond your immediate team
You enjoy mentoring and raising the bar for others
You have strong, hands-on experience with Ruby on Rails (essential)
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\n\n\nMEET THE TEAM 👥\n\nHere at Cleo, we have ~200 Engineers organised into Pillars. ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development, and growth.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe're hiring a Staff Backend Engineer for our Financial Assistant Pillar. You'll shape technical direction and drive delivery across multiple functional product squads.\n\nKey responsibilities for this role include:\n\n - Partnering with senior peers to define architecture and lead complex, high-impact initiatives\n\n - Bringing teams together to ship ambitious product work that improves users’ financial health\n\n - Building shared systems, patterns, and tooling that raise the bar across engineering\n\n - Staying hands-on in our Ruby on Rails monolith -- designing APIs, data models, and scalable services\n\n - Anticipating risks and opportunities early, influencing plans and technical strategy\n\n - Mentoring engineers and TLs, growing the next generation of technical leaders\n\n \n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - You’re excited by the opportunity to own and influence technical direction at a pillar level\n\n - You’ve operated at senior/staff level across multiple teams or complex domains\n\n - You bring strong technical judgment and think in long-term, scalable solutions\n\n - You’re comfortable leading without authority and aligning teams around a shared direction\n\n - You have a track record of building systems and practices used beyond your immediate team\n\n - You enjoy mentoring and raising the bar for others\n\n - You have strong, hands-on experience with Ruby on Rails (essential)\n\n\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"fe1b064e-d3d7-4afe-b9ab-08101fb6da2b","title":"Frontend Engineers (React/React Native)","department":"Technology","team":"Frontend","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"United Kingdom (Hybrid)","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}}}],"publishedAt":"2026-09-09T15:45:21.090+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/fe1b064e-d3d7-4afe-b9ab-08101fb6da2b","applyUrl":"https://jobs.ashbyhq.com/cleo-2/fe1b064e-d3d7-4afe-b9ab-08101fb6da2b/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.
We’re 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.
Key responsibilities include:
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.
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.
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.
For this frontend focused role, we also have some specific asks:
We’re looking for someone with strong industry experience of using React Native or React with TypeScript for a minimum of 2+ years.
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.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM\n\nHere at Cleo, we have ~200 Engineers organised into Pillars ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development and growth.\n\n\n\n\nABOUT THE ROLE\n\nWe’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.\n\nKey responsibilities include:\n\n - 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.\n\n - Writing automated tests alongside your code to give us the confidence to ship it\n\n - Using AB-Tests, feature flags and other tools that let us iterate quickly\n\n - Using data to dig into user journeys, detecting problems and helping to optimise the Cleo experience\n\n - Being part of the rota for our weekly app releases to the Apple and Google app stores\n\n - Getting involved in cross-cutting concerns that lift our entire engineering effort with the rest of the frontend chapter\n\n - 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.\n\n \n\nWhichever 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.\n\n \n\n\nWHAT WE'RE LOOKING FOR\n\nYou are passionate about making a positive difference in society by improving the financial health of our users. You align with our company values https://web.meetcleo.com/life-at-cleo and engineering principles https://web.meetcleo.com/blog/cleo-engineering-principles, which drive our ways of working and software delivery.\n\nFor this frontend focused role, we also have some specific asks:\n\n - We’re looking for someone with strong industry experience of using React Native or React with TypeScript for a minimum of 2+ years. \n\n - 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.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"19961153-95cd-40f6-928d-8fb14684425d","title":"Machine Learning Engineering Manager, Financial Assistant","department":"Technology","team":"Manager","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}},{"location":"Netherlands","address":{"postalAddress":{"addressCountry":"Netherlands"}}}],"publishedAt":"2026-09-11T13:34:05.225+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/19961153-95cd-40f6-928d-8fb14684425d","applyUrl":"https://jobs.ashbyhq.com/cleo-2/19961153-95cd-40f6-928d-8fb14684425d/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.
We're hiring an ML Engineering Manager to join the existing data science function at Cleo - a collaborative team of ML engineers, analysts, and data engineers - to build and deploy production models that go directly into the product. You'll lead the ML workstream behind our Financial Assistant feature, shaping how Cleo uses LLMs to have more engaging, accurate, and personalised conversations about money.
This is a people management role: you'll manage the ML engineers across your squads, own the headcount plan, and be responsible for hiring and team development in your area.
Understand the core problems faced by the Financial Assistant team and coordinate the ML function's contribution to solving them
Find opportunities for model and product improvements in Cleo's extensive customer behaviour datasets
Manage the ML engineers in your squads - coaching and developing them to deliver on the roadmap
Build out the headcount plan and own hiring and team development within your area to support growth
Extensive experience building and deploying machine learning models to production
Experience managing and developing high-performing teams of data scientists and ML engineers
A habit of keeping abreast of the latest research and experimenting productively with new technologies, including LLMs and LLM agent design
Experience owning an ML roadmap, driving new ideas through to business impact
Ability to write production-quality Python code, with a willingness to stay somewhat hands-on
Nice to have: domain knowledge of NLP, including evaluating LLM systems and fine-tuning LLMs or other transformer models
Nice to have: a strong ability to communicate findings to non-technical stakeholders concisely and engagingly
Nice to have: experience with containers and container orchestration - Kubernetes, Docker, and/or Mesos
Nice to have: experience using vector databases such as OpenSearch
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe're hiring an ML Engineering Manager to join the existing data science function at Cleo - a collaborative team of ML engineers, analysts, and data engineers - to build and deploy production models that go directly into the product. You'll lead the ML workstream behind our Financial Assistant feature, shaping how Cleo uses LLMs to have more engaging, accurate, and personalised conversations about money. \n\nThis is a people management role: you'll manage the ML engineers across your squads, own the headcount plan, and be responsible for hiring and team development in your area.\n\n - Understand the core problems faced by the Financial Assistant team and coordinate the ML function's contribution to solving them\n\n - Find opportunities for model and product improvements in Cleo's extensive customer behaviour datasets\n\n - Manage the ML engineers in your squads - coaching and developing them to deliver on the roadmap\n\n - Build out the headcount plan and own hiring and team development within your area to support growth\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - Extensive experience building and deploying machine learning models to production\n\n - Experience managing and developing high-performing teams of data scientists and ML engineers\n\n - A habit of keeping abreast of the latest research and experimenting productively with new technologies, including LLMs and LLM agent design\n\n - Experience owning an ML roadmap, driving new ideas through to business impact\n\n - Ability to write production-quality Python code, with a willingness to stay somewhat hands-on\n\n - Nice to have: domain knowledge of NLP, including evaluating LLM systems and fine-tuning LLMs or other transformer models\n\n - Nice to have: a strong ability to communicate findings to non-technical stakeholders concisely and engagingly\n\n - Nice to have: experience with containers and container orchestration - Kubernetes, Docker, and/or Mesos\n\n - Nice to have: experience using vector databases such as OpenSearch\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"ecf4655f-c58a-46f5-9436-d6f495a43e83","title":"Tech Lead Machine Learning Manager - Payments","department":"Technology","team":"Manager","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}},{"location":"Netherlands","address":{"postalAddress":{"addressCountry":"Netherlands"}}}],"publishedAt":"2026-09-16T13:42:42.388+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/ecf4655f-c58a-46f5-9436-d6f495a43e83","applyUrl":"https://jobs.ashbyhq.com/cleo-2/ecf4655f-c58a-46f5-9436-d6f495a43e83/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Meet the team 👥
Here at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.
About the role ✍️
We're hiring a Machine Learning Tech Lead to take on technical leadership and ownership of the Payments Intelligence team, managing a team of circa 4 MLEs. This team is responsible for optimising Cleo's payments systems - covering both credit collections and subscription retention - a workstream with a direct impact on the company's financial performance. You'll work closely with your cross-functional squad to understand business issues, then use your ML engineering skills to deploy best-in-class models that move the bottom line.
Lead and manage a team of 4 MLEs
Deploy machine learning models into production - classifiers, payments recommendation systems, and any other model that can have impact, typically working with tabular data rather than language models
Collaborate with product managers, backend engineers, and analysts, playing an active role in planning and sequencing work for the squad
Work closely with engineers to make sure the right data is collected to build future machine learning models
What we're looking for 🕵
At least 5 years of experience in data science, ML engineering, or related roles
At least 1 year of management experience, ideally of a small team
Ability to write production-quality Python code
Experience deploying machine learning models into production
Track record in payments, pricing, risk decisioning, or other business process optimisation problems
Comfortable with complexity, and developing a holistic understanding of a system in order to propose and build solutions
A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner
Nice to have: experience with credit collections
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\nMeet the team 👥\n\nHere at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.\n\n \n\nAbout the role ✍️\n\nWe're hiring a Machine Learning Tech Lead to take on technical leadership and ownership of the Payments Intelligence team, managing a team of circa 4 MLEs. This team is responsible for optimising Cleo's payments systems - covering both credit collections and subscription retention - a workstream with a direct impact on the company's financial performance. You'll work closely with your cross-functional squad to understand business issues, then use your ML engineering skills to deploy best-in-class models that move the bottom line.\n\n - Lead and manage a team of 4 MLEs\n\n - Deploy machine learning models into production - classifiers, payments recommendation systems, and any other model that can have impact, typically working with tabular data rather than language models\n\n - Collaborate with product managers, backend engineers, and analysts, playing an active role in planning and sequencing work for the squad\n\n - Work closely with engineers to make sure the right data is collected to build future machine learning models\n\n\n\nWhat we're looking for 🕵\n\n - At least 5 years of experience in data science, ML engineering, or related roles\n\n - At least 1 year of management experience, ideally of a small team\n\n - Ability to write production-quality Python code\n\n - Experience deploying machine learning models into production\n\n - Track record in payments, pricing, risk decisioning, or other business process optimisation problems\n\n - Comfortable with complexity, and developing a holistic understanding of a system in order to propose and build solutions\n\n - A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner\n\n - Nice to have: experience with credit collections\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"11db3815-227d-4b06-bd15-92f23f006dfb","title":"Chief of Staff to the Founder","department":"Misc","team":"Chief of Staff","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[],"publishedAt":"2026-10-19T08:48:04.278+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/11db3815-227d-4b06-bd15-92f23f006dfb","applyUrl":"https://jobs.ashbyhq.com/cleo-2/11db3815-227d-4b06-bd15-92f23f006dfb/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
This role offers direct involvement in how a company is built and run: the choices about products, people, capital and execution that determine its success.
You’ll work with Barney and the leadership team to investigate difficult questions, develop independent recommendations and turn them into results. Your work might range from diagnosing why a product is underperforming to evaluating a new market, shaping a fundraising narrative or leading a company-wide initiative.
The standard is high. You’ll need to get deep into unfamiliar subjects, interrogate the numbers, challenge assumptions and explain your reasoning clearly. You’ll be expected to contribute your own view and take responsibility for what happens next.
As you build trust and context, you’ll take on greater autonomy, represent Barney in important discussions and own substantial work on his behalf. You’ll see how decisions play out and develop your judgement through direct experience.
For someone who intends to found a company, lead a business or become an investor, this is an opportunity to build the operating experience and commercial judgement to do it well.
We’re hiring a Chief of Staff to partner with our CEO. Working alongside the leadership team, you’ll be the right hand to our CEO, driving the priorities that matter most across Cleo 🌱
Investigate consequential questions. Analyse markets, products, customer behaviour and business performance. Establish what the evidence says, identify the choices and trade-offs, and make a clear recommendation.
Own major initiatives. Take priorities off the CEO’s plate and drive them from an ambiguous starting point through to delivery. Work across functions, establish ownership, resolve obstacles and stay accountable for the outcome.
Improve business performance. Get close to Cleo’s numbers. Identify where results diverge from expectations, work with leaders to understand the causes and help drive a credible response.
Support fundraising and board decisions. Work with the CEO, Finance and leadership team on rigorous analysis, compelling materials and a clear account of our strategy, performance and capital needs.
Make leadership time count. Shape discussions around the decisions that matter, prepare useful briefs and follow commitments through to completion. Partner with the CEO’s EA to align his time with his priorities.
Write and communicate with precision. Produce decision papers, presentations and internal and external communications. Make complex ideas understandable and the reasoning behind recommendations easy to assess.
Exercise independent judgement. Surface uncomfortable facts, challenge assumptions constructively and explain what would change your view. Build relationships across the business so your recommendations are informed and your work gets done.
We’re looking for someone with exceptional ability, independent judgement and the ambition to take on consequential work. You may have developed these qualities in strategy, finance, technology, research, entrepreneurship or another demanding field. We’ll assess the quality of your thinking, the difficulty of what you’ve taken on and what you personally achieved.
A record of exceptional achievement. You’ve distinguished yourself through the quality and impact of your work. You can point to difficult problems you solved, significant responsibility you earned and results you personally delivered. We’ll want to understand your contribution and what made the work demanding.
Intellectual depth and range. You’ve gone deep in at least one area and can get to grips with unfamiliar subjects quickly. You ask incisive questions, reason from first principles and connect ideas across disciplines.
Independent judgement. You distinguish evidence from assumption, form a clear view and explain your reasoning. You’re comfortable challenging strong opinions, admitting uncertainty and changing your mind when the facts warrant it.
Analytical and commercial ability. You’re confident working with numbers, interrogating business performance and evaluating trade-offs. You can turn incomplete information into a sound recommendation and connect detailed analysis to its implications for the company.
A record of execution. You bring structure to open-ended problems and take ownership through to the outcome. You earn cooperation from strong colleagues, resolve obstacles and follow through without needing to be chased.
Exceptional communication. You write precise, persuasive prose, listen carefully and make complex ideas clear. You can disagree constructively, earn credibility with senior leaders and represent the CEO’s thinking accurately while contributing your own.
Ambition, composure and low ego. You seek significant responsibility, welcome direct feedback and hold yourself to a demanding standard. You remain effective under pressure, handle sensitive information with discretion and bring care to both consequential decisions and routine preparation.
Intelligent use of AI. You actively use AI tools to accelerate research, analysis, writing and execution. You test their outputs and retain responsibility for the quality of your work.
We welcome unconventional paths and evidence of excellence from different settings. Be ready to show us how you think, what you’ve built or changed, and what you learned from the results.
What you’ll gain
Direct access to the CEO’s thinking, close work with experienced leaders and the opportunity to see your recommendations tested in a real business. Your responsibility will grow as you demonstrate judgement and deliver results.
You’ll develop a practical understanding of how to set direction, allocate resources, evaluate performance and lead through others at a profitable AI company operating at scale.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nThis role offers direct involvement in how a company is built and run: the choices about products, people, capital and execution that determine its success.\n\nYou’ll work with Barney and the leadership team to investigate difficult questions, develop independent recommendations and turn them into results. Your work might range from diagnosing why a product is underperforming to evaluating a new market, shaping a fundraising narrative or leading a company-wide initiative.\n\nThe standard is high. You’ll need to get deep into unfamiliar subjects, interrogate the numbers, challenge assumptions and explain your reasoning clearly. You’ll be expected to contribute your own view and take responsibility for what happens next.\n\nAs you build trust and context, you’ll take on greater autonomy, represent Barney in important discussions and own substantial work on his behalf. You’ll see how decisions play out and develop your judgement through direct experience.\n\nFor someone who intends to found a company, lead a business or become an investor, this is an opportunity to build the operating experience and commercial judgement to do it well.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe’re hiring a Chief of Staff to partner with our CEO. Working alongside the leadership team, you’ll be the right hand to our CEO, driving the priorities that matter most across Cleo 🌱\n\n - Investigate consequential questions. Analyse markets, products, customer behaviour and business performance. Establish what the evidence says, identify the choices and trade-offs, and make a clear recommendation.\n\n - Own major initiatives. Take priorities off the CEO’s plate and drive them from an ambiguous starting point through to delivery. Work across functions, establish ownership, resolve obstacles and stay accountable for the outcome.\n\n - Improve business performance. Get close to Cleo’s numbers. Identify where results diverge from expectations, work with leaders to understand the causes and help drive a credible response.\n\n - Support fundraising and board decisions. Work with the CEO, Finance and leadership team on rigorous analysis, compelling materials and a clear account of our strategy, performance and capital needs.\n\n - Make leadership time count. Shape discussions around the decisions that matter, prepare useful briefs and follow commitments through to completion. Partner with the CEO’s EA to align his time with his priorities.\n\n - Write and communicate with precision. Produce decision papers, presentations and internal and external communications. Make complex ideas understandable and the reasoning behind recommendations easy to assess.\n\n - Exercise independent judgement. Surface uncomfortable facts, challenge assumptions constructively and explain what would change your view. Build relationships across the business so your recommendations are informed and your work gets done.\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\nWe’re looking for someone with exceptional ability, independent judgement and the ambition to take on consequential work. You may have developed these qualities in strategy, finance, technology, research, entrepreneurship or another demanding field. We’ll assess the quality of your thinking, the difficulty of what you’ve taken on and what you personally achieved.\n\n - A record of exceptional achievement. You’ve distinguished yourself through the quality and impact of your work. You can point to difficult problems you solved, significant responsibility you earned and results you personally delivered. We’ll want to understand your contribution and what made the work demanding.\n\n - Intellectual depth and range. You’ve gone deep in at least one area and can get to grips with unfamiliar subjects quickly. You ask incisive questions, reason from first principles and connect ideas across disciplines.\n\n - Independent judgement. You distinguish evidence from assumption, form a clear view and explain your reasoning. You’re comfortable challenging strong opinions, admitting uncertainty and changing your mind when the facts warrant it.\n\n - Analytical and commercial ability. You’re confident working with numbers, interrogating business performance and evaluating trade-offs. You can turn incomplete information into a sound recommendation and connect detailed analysis to its implications for the company.\n\n - A record of execution. You bring structure to open-ended problems and take ownership through to the outcome. You earn cooperation from strong colleagues, resolve obstacles and follow through without needing to be chased.\n\n - Exceptional communication. You write precise, persuasive prose, listen carefully and make complex ideas clear. You can disagree constructively, earn credibility with senior leaders and represent the CEO’s thinking accurately while contributing your own.\n\n - Ambition, composure and low ego. You seek significant responsibility, welcome direct feedback and hold yourself to a demanding standard. You remain effective under pressure, handle sensitive information with discretion and bring care to both consequential decisions and routine preparation.\n\n - Intelligent use of AI. You actively use AI tools to accelerate research, analysis, writing and execution. You test their outputs and retain responsibility for the quality of your work.\n \n We welcome unconventional paths and evidence of excellence from different settings. Be ready to show us how you think, what you’ve built or changed, and what you learned from the results.\n\nWhat you’ll gain\nDirect access to the CEO’s thinking, close work with experienced leaders and the opportunity to see your recommendations tested in a real business. Your responsibility will grow as you demonstrate judgement and deliver results.\n\nYou’ll develop a practical understanding of how to set direction, allocate resources, evaluate performance and lead through others at a profitable AI company operating at scale.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"08d0b4d0-b272-467d-b277-cc58356d5228","title":"Lead Product Manager, EWA","department":"Product","team":"Product Management","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[],"publishedAt":"2026-09-24T14:38:53.370+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/08d0b4d0-b272-467d-b277-cc58356d5228","applyUrl":"https://jobs.ashbyhq.com/cleo-2/08d0b4d0-b272-467d-b277-cc58356d5228/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.
We’re hiring a hands-on Lead Product Manager to drive Cleo’s Credit products forward. You’ll lead a cross-functional squad to uncover customer needs, shape bold new product directions, and turn early-stage ideas into compelling, testable experiences for one of Cleo’s most important product areas.
Key responsibilities
Identify high-potential product opportunities through customer insight, market understanding, and Cleo’s unique strengths.
Lead early-stage ideation, prototyping, and lean research to validate concepts and reduce uncertainty quickly.
Bring your squad together around a clear product vision, translating it into polished, high-quality experiences with Design and Engineering.
Partner with cross-functional stakeholders to shape product direction and solve complex customer problems.
Build persuasive narratives and data-informed business cases that communicate the value of new ideas and drive decisions.
You should ideally have several years of relevant experience and passion for credit focused work at a senior level
Experience in consumer-facing fintech or personal finance products
You can share mobile app product work that demonstrates a proven record of driving high-quality execution in high-growth, fast-paced, product-led businesses
You are strongly outcome-focused, balancing business goals and user needs through small, rapid, experiment-led product improvements
You thrive on getting deep into the data and the details to optimise existing features and journeys
You are a proactive problem solver who can effectively bring structure to large or ambiguous problems to generate buy-in from stakeholders
You are a strong cross-functional collaborator who can partner successfully with tech and marketing stakeholders to deliver bottom line impact on growth
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe’re hiring a hands-on Lead Product Manager to drive Cleo’s Credit products forward. You’ll lead a cross-functional squad to uncover customer needs, shape bold new product directions, and turn early-stage ideas into compelling, testable experiences for one of Cleo’s most important product areas.\n\nKey responsibilities\n\n - Identify high-potential product opportunities through customer insight, market understanding, and Cleo’s unique strengths.\n\n - Lead early-stage ideation, prototyping, and lean research to validate concepts and reduce uncertainty quickly.\n\n - Bring your squad together around a clear product vision, translating it into polished, high-quality experiences with Design and Engineering.\n\n - Partner with cross-functional stakeholders to shape product direction and solve complex customer problems.\n\n - Build persuasive narratives and data-informed business cases that communicate the value of new ideas and drive decisions.\n \n \n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - You should ideally have several years of relevant experience and passion for credit focused work at a senior level\n\n - Experience in consumer-facing fintech or personal finance products\n\n - You can share mobile app product work that demonstrates a proven record of driving high-quality execution in high-growth, fast-paced, product-led businesses\n\n - You are strongly outcome-focused, balancing business goals and user needs through small, rapid, experiment-led product improvements\n\n - You thrive on getting deep into the data and the details to optimise existing features and journeys \n\n - You are a proactive problem solver who can effectively bring structure to large or ambiguous problems to generate buy-in from stakeholders\n\n - You are a strong cross-functional collaborator who can partner successfully with tech and marketing stakeholders to deliver bottom line impact on growth\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"c4e953a1-2d25-47f5-bfd1-425ef9e14f28","title":"Tech Lead Manager","department":"Technology","team":"Software Engineering","employmentType":"FullTime","location":"United Kingdom (Remote)","secondaryLocations":[{"location":"United Kingdom (Hybrid)","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}}},{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}}],"publishedAt":"2026-09-22T12:44:28.961+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United Kingdom"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/c4e953a1-2d25-47f5-bfd1-425ef9e14f28","applyUrl":"https://jobs.ashbyhq.com/cleo-2/c4e953a1-2d25-47f5-bfd1-425ef9e14f28/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo, we have ~200 Engineers organised into Pillars. ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development, and growth.
We’re hiring a Technical Lead Manager to lead a cross-functional product squad, combining hands-on technical leadership with people management. You’ll lead a team of 4–5 engineers, working closely with Product, Design, Data and other technical leaders to build products that improve our users’ financial health.
Lead and develop a squad of 4–5 engineers, balancing hands-on technical contribution with line management, coaching and support for individual growth.
Partner with Product Managers, Staff Engineers and other technical leaders to shape a clear, feasible roadmap and deliver against squad OKRs.
Define and steer the technical direction of your squad, helping the team make pragmatic trade-offs across speed, quality, scalability and long-term maintainability.
Create the conditions for effective delivery by providing clarity, unblocking progress and establishing healthy, sustainable ways of working.
Run regular 1:1s, provide clear and actionable feedback, and support engineers through development, performance conversations and growth planning.
Stay close to the code and contribute hands-on to our Ruby on Rails monolith, using practices such as automated testing, observability, A/B testing and feature flags.
Collaborate across Engineering, Product, Design and Data to deliver and iterate on features that have a meaningful impact on our users’ financial health.
Solid experience with Ruby on Rails, building data models, APIs, and business logic services in a production monolith
Experience leading technical delivery within a product squad or engineering team, helping shape and scope work through to delivery
Experience line managing and coaching engineers, including giving feedback, supporting development and navigating performance conversations
Strong technical judgement, with the ability to balance delivery speed, technical quality, scalability and longer-term investment
Comfortable delivering with agile methodologies and practices like automated testing, observability, A/B testing, and feature flags
A collaborative approach — you work well with Product, Design, Analytics and Engineering partners, and enjoy shaping work beyond just the technical bits
A track record of helping teams build healthy habits, improve ways of working and deliver meaningful outcomes
Alignment with our company values and engineering principles
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo, we have ~200 Engineers organised into Pillars. ✨ Our stack spans a Ruby on Rails monolith, a single React Native (TypeScript) app frontend, Python for machine learning services, and PostgreSQL, all hosted on AWS and shipped through Kubernetes - backend goes out multiple times a week, app releases to Google and Apple at least weekly. To thrive here, our engineers proactively use our Engineering Principles to guide daily decisions, take ownership of problems beyond their own squad to drive broader impact, and actively drive their own learning, development, and growth.\n\n \n\n\nABOUT THE ROLE ✍️\n\nWe’re hiring a Technical Lead Manager to lead a cross-functional product squad, combining hands-on technical leadership with people management. You’ll lead a team of 4–5 engineers, working closely with Product, Design, Data and other technical leaders to build products that improve our users’ financial health.\n\n - Lead and develop a squad of 4–5 engineers, balancing hands-on technical contribution with line management, coaching and support for individual growth.\n\n - Partner with Product Managers, Staff Engineers and other technical leaders to shape a clear, feasible roadmap and deliver against squad OKRs.\n\n - Define and steer the technical direction of your squad, helping the team make pragmatic trade-offs across speed, quality, scalability and long-term maintainability.\n\n - Create the conditions for effective delivery by providing clarity, unblocking progress and establishing healthy, sustainable ways of working.\n\n - Run regular 1:1s, provide clear and actionable feedback, and support engineers through development, performance conversations and growth planning.\n\n - Stay close to the code and contribute hands-on to our Ruby on Rails monolith, using practices such as automated testing, observability, A/B testing and feature flags.\n\n - Collaborate across Engineering, Product, Design and Data to deliver and iterate on features that have a meaningful impact on our users’ financial health.\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - Solid experience with Ruby on Rails, building data models, APIs, and business logic services in a production monolith\n\n - Experience leading technical delivery within a product squad or engineering team, helping shape and scope work through to delivery\n\n - Experience line managing and coaching engineers, including giving feedback, supporting development and navigating performance conversations\n\n - Strong technical judgement, with the ability to balance delivery speed, technical quality, scalability and longer-term investment\n\n - Comfortable delivering with agile methodologies and practices like automated testing, observability, A/B testing, and feature flags\n\n - A collaborative approach — you work well with Product, Design, Analytics and Engineering partners, and enjoy shaping work beyond just the technical bits\n\n - A track record of helping teams build healthy habits, improve ways of working and deliver meaningful outcomes\n\n - Alignment with our company values https://web.meetcleo.com/life-at-cleo and engineering principles https://web.meetcleo.com/blog/cleo-engineering-principles\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"114063bf-3789-47f7-ab91-23aa7e55160f","title":"Tech Lead Machine Learning Manager, Financial Understanding","department":"Technology","team":"Manager","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[{"location":"United Kingdom (Remote)","address":{"postalAddress":{"addressCountry":"United Kingdom"}}},{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}},{"location":"Netherlands","address":{"postalAddress":{"addressCountry":"Netherlands"}}}],"publishedAt":"2026-09-22T15:08:06.242+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/114063bf-3789-47f7-ab91-23aa7e55160f","applyUrl":"https://jobs.ashbyhq.com/cleo-2/114063bf-3789-47f7-ab91-23aa7e55160f/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Meet the team 👥
Here at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.
About the role ✍️
We're hiring an Tech Lead ML Manager to join the existing data science function at Cleo. You’ll be working on models that support our understanding of a user’s financial life, building our foundational capabilities upon which all our product innovation depends, from the chat based Financial Assistant to our credit products. You’ll take on technical leadership and ownership of a workstream within the Financial Understanding pillar. We work at the intersection of LLMs and classical machine learning, trying to bring the advanced capabilities that are now possible at the speed and scale necessary for the size of Cleo’s userbase.
Leading and managing a team of circa. 4 MLE’s
Deploying machine learning models into production
Collaborating with product managers, backend engineers and analysts to play an active role in the planning and sequencing of work for the squad.
Helping define the roadmap for the squad/workstream
What we're looking for 🕵
At least 5 years of experience in data science, ML engineering or related roles
At least 1 year of management experience, ideally of a small team.
Ability to write production quality python code.
Experience deploying machine learning models into production
Experience with both LLMs and classical machine learning
Comfortable with complexity & developing a holistic understanding of a system in order to propose & build solutions
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\nMeet the team 👥\n\nHere at Cleo, we have ~45 ML engineers ✨ They are the builders behind the AI that powers our product. They design experiments, create models that personalise financial insights, deploy fraud detection systems and scale our conversational AI, making sure that what we build genuinely helps people feel better about their money. From shaping product features and building the models that personalise our users' money journeys, to tackling fraud, scaling our systems and giving leaders the insights they need, our data team is at the heart of it all.\n\n\n\nAbout the role ✍️\n\nWe're hiring an Tech Lead ML Manager to join the existing data science function at Cleo. You’ll be working on models that support our understanding of a user’s financial life, building our foundational capabilities upon which all our product innovation depends, from the chat based Financial Assistant to our credit products. You’ll take on technical leadership and ownership of a workstream within the Financial Understanding pillar. We work at the intersection of LLMs and classical machine learning, trying to bring the advanced capabilities that are now possible at the speed and scale necessary for the size of Cleo’s userbase.\n\n - Leading and managing a team of circa. 4 MLE’s\n\n - Deploying machine learning models into production\n\n - Collaborating with product managers, backend engineers and analysts to play an active role in the planning and sequencing of work for the squad.\n\n - Helping define the roadmap for the squad/workstream\n\n\n\nWhat we're looking for 🕵\n\n - At least 5 years of experience in data science, ML engineering or related roles\n\n - At least 1 year of management experience, ideally of a small team.\n\n - Ability to write production quality python code.\n\n - Experience deploying machine learning models into production\n\n - Experience with both LLMs and classical machine learning\n\n - Comfortable with complexity & developing a holistic understanding of a system in order to propose & build solutions\n\n\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"8cb7ef84-d091-44eb-a392-95c2c54ded89","title":"Senior Product Manager, Spend","department":"Product","team":"Product Management","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[],"publishedAt":"2026-10-01T15:05:21.773+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/8cb7ef84-d091-44eb-a392-95c2c54ded89","applyUrl":"https://jobs.ashbyhq.com/cleo-2/8cb7ef84-d091-44eb-a392-95c2c54ded89/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo we have ~35 Product Managers owning and running Squads across our Pillars. Product Management defines what Cleo builds and why it matters. From setting direction to prioritising what ships, Product ensures we’re solving the right problems for our users and the business. As we scale, this shifts from “managing a roadmap” to “shaping the long-term vision and impact of Cleo’s products.” ✨
We’re hiring a Senior Product Manager to own Cleo’s payment rails and money-movement roadmap - how customers bring money in, move it across Cleo products, and access it when they need it. You’ll define the future of direct deposit, internal transfers, and intelligent funding orchestration, working closely with Engineering, Risk, Compliance, and our banking and card partners.
Key responsibilities
Own the roadmap for how customers move money into, around, and out of Cleo - direct deposit top-ups, internal transfers (card, EWA, secured credit card, Wealth products), and outbound movement.
Build deep fluency in US payment rails (ACH, FedNow, card network rails) and the interchange/cost structure underneath them; represent Cleo in shaping partner roadmaps with the likes of Marqeta and Mastercard.
Partner with banking and processing partners (e.g., TabaPay-type partners, partner banks) to orchestrate money movement - this is not a \"we are the platform\" role; it's about working fluently across multiple partners and rails.
Develop a point of view on stablecoin and crypto as a future rail for moving money in and out of Cleo, and bring that thinking into the roadmap.
Contribute to the intelligent funding orchestration vision - determining at the point of a transaction what funding source (EWA, BNPL, savings, checking) best serves the customer, with consent, and executing that agentically.
Set and communicate a clear narrative for why payment rails and money movement matter - this space is not well understood internally, and you'll need to make the case repeatedly to stakeholders who don't have payments backgrounds.
Maintain flawless execution and attention to detail on cash inflow/outflow while also building the longer-term vision.
Must-have
Deep, hands-on US payment rails experience (ACH, card networks, interchange economics) - recent and substantial, not adjacent.
Experience working across multiple payment partners/rails rather than as \"the platform\" itself - e.g., time at a card program, neobank, or fintech that works with partner banks and processors.
Comfort owning ambiguity and setting vision where none has been defined yet.
Strong narrative/storytelling ability paired with flawless execution.
Nice-to-have
Fluency in crypto/stablecoin as a payment rail, with a point of view on where the industry is heading.
International payment rails exposure (e.g., UK), given Cleo's card expansion - explicitly lower priority than US rails depth.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo we have ~35 Product Managers owning and running Squads across our Pillars. Product Management defines what Cleo builds and why it matters. From setting direction to prioritising what ships, Product ensures we’re solving the right problems for our users and the business. As we scale, this shifts from “managing a roadmap” to “shaping the long-term vision and impact of Cleo’s products.” ✨\n\n\n\n\nABOUT THE ROLE ✍️\n\nWe’re hiring a Senior Product Manager to own Cleo’s payment rails and money-movement roadmap - how customers bring money in, move it across Cleo products, and access it when they need it. You’ll define the future of direct deposit, internal transfers, and intelligent funding orchestration, working closely with Engineering, Risk, Compliance, and our banking and card partners.\n\nKey responsibilities\n\n - Own the roadmap for how customers move money into, around, and out of Cleo - direct deposit top-ups, internal transfers (card, EWA, secured credit card, Wealth products), and outbound movement.\n\n - Build deep fluency in US payment rails (ACH, FedNow, card network rails) and the interchange/cost structure underneath them; represent Cleo in shaping partner roadmaps with the likes of Marqeta and Mastercard.\n\n - Partner with banking and processing partners (e.g., TabaPay-type partners, partner banks) to orchestrate money movement - this is not a \"we are the platform\" role; it's about working fluently across multiple partners and rails.\n\n - Develop a point of view on stablecoin and crypto as a future rail for moving money in and out of Cleo, and bring that thinking into the roadmap.\n\n - Contribute to the intelligent funding orchestration vision - determining at the point of a transaction what funding source (EWA, BNPL, savings, checking) best serves the customer, with consent, and executing that agentically.\n\n - Set and communicate a clear narrative for why payment rails and money movement matter - this space is not well understood internally, and you'll need to make the case repeatedly to stakeholders who don't have payments backgrounds.\n\n - Maintain flawless execution and attention to detail on cash inflow/outflow while also building the longer-term vision.\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\nMust-have\n\n - Deep, hands-on US payment rails experience (ACH, card networks, interchange economics) - recent and substantial, not adjacent.\n\n - Experience working across multiple payment partners/rails rather than as \"the platform\" itself - e.g., time at a card program, neobank, or fintech that works with partner banks and processors.\n\n - Comfort owning ambiguity and setting vision where none has been defined yet.\n\n - Strong narrative/storytelling ability paired with flawless execution.\n\nNice-to-have\n\n - Fluency in crypto/stablecoin as a payment rail, with a point of view on where the industry is heading.\n\n - International payment rails exposure (e.g., UK), given Cleo's card expansion - explicitly lower priority than US rails depth.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"861e3685-1a87-4625-94fb-a7c612d4bba2","title":"Lead Product Manager, Risk Decisioning ","department":"Product","team":"Product Management","employmentType":"FullTime","location":"United States","secondaryLocations":[{"location":"United Kingdom (Hybrid)","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}}}],"publishedAt":"2026-10-19T14:47:11.460+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United States"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/861e3685-1a87-4625-94fb-a7c612d4bba2","applyUrl":"https://jobs.ashbyhq.com/cleo-2/861e3685-1a87-4625-94fb-a7c612d4bba2/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Here at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.
About The Role ✍️
We’re hiring a hands-on Lead Product Manager to drive Cleo’s Pay Later risk decisioning roadmap. You’ll build the risk models, credit limits and policies that decide who qualifies for Pay Later and how much credit they get, leading a cross-functional squad across Engineering, ML and Risk.
Key Responsibilities
Improve our risk models, taking them through approval, testing and rollout
Set credit limits and pricing policy, including new risk grids and spending power rules
Own our bureau data partnership (TransUnion) - what data we collect, when, and how it feeds our models
Spot and fix gaps in our data and reporting, working with central data teams
Build solutions to catch fraud within Pay Later
Deep, hands-on experience in fintech risk, credit or underwriting - model-literate across the full ML lifecycle, from discovery to deployment
Proven record of moving business metrics (not just feature-level metrics) on a fast-scaling product
Comfort owning ambiguity - working with limited data, unproven models and pending approvals, and making the trade-offs between pricing, limits and credit risk
Strong data fluency - runs A/B tests, writes SQL, and translates data into compelling stories
Deep understanding of US consumer finance regulation (e.g. Reg Z, Reg B), with experience working alongside legal, compliance and banking partners
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nMEET THE TEAM 👥\n\nHere at Cleo we have team of ~135 member in our Credit Pillar. This function brings together several specialisms, all working toward managing portfolio performance; designing the systems, models, and controls that make lending sustainable. They drive to build and grow a portfolio of responsible EWA & Pay Later products that can scale across markets while protecting users from high cost debt trap.\n\nAbout The Role ✍️\nWe’re hiring a hands-on Lead Product Manager to drive Cleo’s Pay Later risk decisioning roadmap. You’ll build the risk models, credit limits and policies that decide who qualifies for Pay Later and how much credit they get, leading a cross-functional squad across Engineering, ML and Risk.\n\nKey Responsibilities \n\n - Improve our risk models, taking them through approval, testing and rollout\n\n - Set credit limits and pricing policy, including new risk grids and spending power rules\n\n - Own our bureau data partnership (TransUnion) - what data we collect, when, and how it feeds our models\n\n - Spot and fix gaps in our data and reporting, working with central data teams\n\n - Build solutions to catch fraud within Pay Later\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️ \n\n - Deep, hands-on experience in fintech risk, credit or underwriting - model-literate across the full ML lifecycle, from discovery to deployment\n\n - Proven record of moving business metrics (not just feature-level metrics) on a fast-scaling product\n\n - Comfort owning ambiguity - working with limited data, unproven models and pending approvals, and making the trade-offs between pricing, limits and credit risk\n\n - Strong data fluency - runs A/B tests, writes SQL, and translates data into compelling stories\n\n - Deep understanding of US consumer finance regulation (e.g. Reg Z, Reg B), with experience working alongside legal, compliance and banking partners\n \n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"2b5c38bb-474f-4180-889c-1625c8f35343","title":"EA to Founder","department":"Misc","team":"EA","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[],"publishedAt":"2026-09-11T09:22:11.227+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/2b5c38bb-474f-4180-889c-1625c8f35343","applyUrl":"https://jobs.ashbyhq.com/cleo-2/2b5c38bb-474f-4180-889c-1625c8f35343/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
We’re hiring a highly organised and proactive Executive Assistant to support Barney, Cleo’s CEO and Founder. This is more than diary management: you’ll help him operate at his best by driving projects forward, improving how work gets done, and ensuring the business follows through on its highest-priority decisions.
Key responsibilities for this role include:
Proactively manage Barney’s schedule, travel, and logistics, resolving conflicts before they become problems; provide occasional support to other execs.
Prepare for key meetings with clear briefings, stakeholder coordination, and rigorous follow-up on decisions and actions.
Drive projects and business-wide coordination on Barney’s behalf, including ownership of the company newsletter.
Act as a trusted liaison for internal teams and external partners, managing communications and keeping work moving.
Identify and implement workflow improvements that reduce administrative load and increase effectiveness.
Support personal administration, including bills and appointments, with complete discretion and sound judgement.
5+ years in an Executive Assistant or similar role, ideally in a fast-paced startup or supporting senior executives
Experience in project management or process improvement is a plus
Experience managing or coordinating others preferred
Exceptional organisational skills with the ability to manage multiple priorities simultaneously
Strong problem-solving abilities and attention to detail
Clear, concise written and verbal communication
High level of autonomy and flexibility in a dynamic, fast-changing environment
High EQ, discretion, and sound judgement when handling sensitive information
Proactive and self-motivated - you don't wait for instructions
Strong sense of ownership and drive to deliver results
Values communication, collaboration, and continuous improvement
Resourceful and thrives under pressure
High integrity and professionalism; you represent Cleo and Barney to the highest standard.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n\nABOUT THE ROLE ✍️\n\nWe’re hiring a highly organised and proactive Executive Assistant to support Barney, Cleo’s CEO and Founder. This is more than diary management: you’ll help him operate at his best by driving projects forward, improving how work gets done, and ensuring the business follows through on its highest-priority decisions.\n\nKey responsibilities for this role include:\n\n - Proactively manage Barney’s schedule, travel, and logistics, resolving conflicts before they become problems; provide occasional support to other execs.\n\n - Prepare for key meetings with clear briefings, stakeholder coordination, and rigorous follow-up on decisions and actions.\n\n - Drive projects and business-wide coordination on Barney’s behalf, including ownership of the company newsletter.\n\n - Act as a trusted liaison for internal teams and external partners, managing communications and keeping work moving.\n\n - Identify and implement workflow improvements that reduce administrative load and increase effectiveness.\n\n - Support personal administration, including bills and appointments, with complete discretion and sound judgement.\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - 5+ years in an Executive Assistant or similar role, ideally in a fast-paced startup or supporting senior executives\n\n - Experience in project management or process improvement is a plus\n\n - Experience managing or coordinating others preferred\n\n - Exceptional organisational skills with the ability to manage multiple priorities simultaneously\n\n - Strong problem-solving abilities and attention to detail\n\n - Clear, concise written and verbal communication\n\n - High level of autonomy and flexibility in a dynamic, fast-changing environment\n\n - High EQ, discretion, and sound judgement when handling sensitive information\n\n - Proactive and self-motivated - you don't wait for instructions\n\n - Strong sense of ownership and drive to deliver results\n\n - Values communication, collaboration, and continuous improvement\n\n - Resourceful and thrives under pressure\n\n - High integrity and professionalism; you represent Cleo and Barney to the highest standard.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"6cb4069e-ad83-4d3c-a96c-2fa02b31c05e","title":"Staff Product Designer","department":"Product","team":"Product Design","employmentType":"FullTime","location":"United Kingdom (Remote)","secondaryLocations":[{"location":"Spain","address":{"postalAddress":{"addressRegion":"EU","addressCountry":"Spain"}}},{"location":"Netherlands","address":{"postalAddress":{"addressCountry":"Netherlands"}}}],"publishedAt":"2026-10-27T14:38:18.794+00:00","isListed":true,"isRemote":true,"workplaceType":"Remote","address":{"postalAddress":{"addressCountry":"United Kingdom"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/6cb4069e-ad83-4d3c-a96c-2fa02b31c05e","applyUrl":"https://jobs.ashbyhq.com/cleo-2/6cb4069e-ad83-4d3c-a96c-2fa02b31c05e/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Hello 👋 I'm Jack, VP of Design at Cleo. I'm excited to be growing the Experience Chapter as Cleo enters its next stage of scale.
We're a team of 50 designers, researchers and writers working at the cutting edge of AI. We care deeply about clarity of thinking, creating exceptional end-to-end experiences and delivering high-quality work at every stage of the design process.
We've spent the past six months overhauling how great product gets made at Cleo, with the latest tools and models built into our process. Many of the team work directly in code, building our own design tools, creating high fidelity prototypes and shipping to production.
But, it's not only a process change - it's a product change. We're rethinking the UX of the product from the ground up, around fully agentic financial assistants that can run your financial life.
We expect our people to get genuinely close to the business, take real ownership of problems, and move comfortably between big picture thinking and the detail of making something incredibly good.
It's an exciting time to join: so much of this is being built for the first time 🚀
We are currently hiring a Staff Product Designer to sit within Core Experience, the team responsible for platform UX, information architecture, and the design system. At Staff level, your mandate extends beyond stewardship. You will define the philosophy and future direction of how Cleo works. You'll be responsible for:
Define the long-term vision for Cleo’s AI-driven financial platform
Architect multi-year product frameworks that unify credit, subscriptions, savings, with an AI agentic layer tying it together
Shape how AI works across the product in ways that feel clear, responsible, and empowering
Design scalable mental models that reduce financial complexity at scale
Align navigation, IA, and behavioural flows across the full lifecycle
Anticipate future product expansion and ensure foundational decisions scale
Partner with executive leadership to shape product direction and roadmap priorities
Translate ambiguous strategic bets into compelling product concepts and prototypes
Establish experience principles that guide teams across the company
Set the highest standard for visual, interaction, and systems craft
Raise the ambition of what fintech can feel like
Mentor designers and elevate thinking across the Experience org
Provide strategic direction for the evolution of Cleo’s Design System as a platform asset
Ensure the system enables both speed and expressive excellence
Define governance and architectural direction in partnership with Core Experience leaders
A company-level design leader operating through influence rather than authority
A systems thinker who designs frameworks, not just features
Deeply experienced in fintech or other complex, high-trust B2C domains
Proven in shaping scaling products into durable platforms
Comfortable influencing VP and C-level stakeholders
Exceptional in craft, with the judgment to balance beauty, clarity, and scale
Forward-looking, with strong perspectives on AI-native interaction models
Motivated by reshaping how people understand and emotionally experience money
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\n \n\n\nMEET THE TEAM 👥\n\nHello 👋 I'm Jack, VP of Design at Cleo. I'm excited to be growing the Experience Chapter as Cleo enters its next stage of scale.\n\nWe're a team of 50 designers, researchers and writers working at the cutting edge of AI. We care deeply about clarity of thinking, creating exceptional end-to-end experiences and delivering high-quality work at every stage of the design process.\n\nWe've spent the past six months overhauling how great product gets made at Cleo, with the latest tools and models built into our process. Many of the team work directly in code, building our own design tools, creating high fidelity prototypes and shipping to production.\n\nBut, it's not only a process change - it's a product change. We're rethinking the UX of the product from the ground up, around fully agentic financial assistants that can run your financial life.\n\nWe expect our people to get genuinely close to the business, take real ownership of problems, and move comfortably between big picture thinking and the detail of making something incredibly good.\n\nIt's an exciting time to join: so much of this is being built for the first time 🚀\n\n \n\n\nABOUT THE ROLE ✍️\n\nWe are currently hiring a Staff Product Designer to sit within Core Experience, the team responsible for platform UX, information architecture, and the design system. At Staff level, your mandate extends beyond stewardship. You will define the philosophy and future direction of how Cleo works. You'll be responsible for:\n\n\n\n\n\nPRODUCT & PLATFORM VISION\n\n - Define the long-term vision for Cleo’s AI-driven financial platform\n\n - Architect multi-year product frameworks that unify credit, subscriptions, savings, with an AI agentic layer tying it together\n\n - Shape how AI works across the product in ways that feel clear, responsible, and empowering\n\n\nCROSS-COMPANY EXPERIENCE ARCHITECTURE\n\n - Design scalable mental models that reduce financial complexity at scale\n\n - Align navigation, IA, and behavioural flows across the full lifecycle\n\n - Anticipate future product expansion and ensure foundational decisions scale\n\n\nSTRATEGIC INFLUENCE\n\n - Partner with executive leadership to shape product direction and roadmap priorities\n\n - Translate ambiguous strategic bets into compelling product concepts and prototypes\n\n - Establish experience principles that guide teams across the company\n\n\nCRAFT & QUALITY BAR\n\n - Set the highest standard for visual, interaction, and systems craft\n\n - Raise the ambition of what fintech can feel like\n\n - Mentor designers and elevate thinking across the Experience org\n\n\nDESIGN SYSTEM DIRECTION\n\n - Provide strategic direction for the evolution of Cleo’s Design System as a platform asset\n\n - Ensure the system enables both speed and expressive excellence\n\n - Define governance and architectural direction in partnership with Core Experience leaders\n\n\n\n\n\nWHAT WE'RE LOOKING FOR 🕵️\n\n - A company-level design leader operating through influence rather than authority\n\n - A systems thinker who designs frameworks, not just features\n\n - Deeply experienced in fintech or other complex, high-trust B2C domains\n\n - Proven in shaping scaling products into durable platforms\n\n - Comfortable influencing VP and C-level stakeholders\n\n - Exceptional in craft, with the judgment to balance beauty, clarity, and scale\n\n - Forward-looking, with strong perspectives on AI-native interaction models\n\n - Motivated by reshaping how people understand and emotionally experience money\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"},{"id":"26cf228e-5970-45fe-bb80-739dd54e61cc","title":"People Partner","department":"People","team":"People Partnering","employmentType":"FullTime","location":"United Kingdom (Hybrid)","secondaryLocations":[],"publishedAt":"2026-10-30T12:01:13.890+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"postalCode":"EC2a 1PX","addressRegion":"London","streetAddress":"40 Finsbury Square","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/cleo-2/26cf228e-5970-45fe-bb80-739dd54e61cc","applyUrl":"https://jobs.ashbyhq.com/cleo-2/26cf228e-5970-45fe-bb80-739dd54e61cc/application","descriptionHtml":"Most money apps talk at you. Cleo talks back ✨
We're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.
The proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.
We love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.
Follow us on LinkedIn for new features and the occasional roast 🔥
Meet the team 👥
Hi, I’m Taten 👋 Chief Operating Officer at Cleo. I lead the teams that help Cleo operate and scale effectively, spanning People & Talent, Legal, Compliance & Policy, Operations, and Partnerships. Together, these teams build the capabilities, relationships, processes and foundations that enable Cleo to grow responsibly while delivering for our customers.
We’re looking for people with strong judgment, deep curiosity, and a drive for getting things right. You’ll own your area, move quickly, and stay close to the details all while partnering with leaders and teams across Cleo to solve complex problems and drive meaningful progress. This is a great environment for thoughtful, enterprise-minded people who know when to bring others along and when to seek a different perspective. If you can balance principle with pragmatism, bring clarity to complexity, and want to help build a company that grows with intention, Cleo is a place where you can have real impact.
About the Role ✍️
We’re looking for a People Partner to join our Partnerships team. You’ll collaborate closely with the wider team and the Head of People Partnerships, supporting all aspects of the People Agenda. You’ll provide consultative advice to leadership, tailored coaching, drive positive change, and lead on complex Employee Relations matters in the departments you support. You will also play a role in company-wide people initiatives, including learning and development, employee engagement, and performance management.
Key responsibilities for this role include:
Partnering with business areas to align their people strategies with the goals of those departments, becoming a trusted, expert advisor.
Supporting key company wide programs like the Talent Review Cycle and Talent Check Ins, supporting data collation and integrity, fostering a culture of high performance and growth.
Managing 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.
Working 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.
Providing tailored coaching to help up skill our leaders in a meaningful way.
Delivering 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.
Creating and delivering Learning and Development initiatives to enhance skills across the organisation.
Ideating and execute key work streams and projects within the People Roadmap, autonomously and collaboratively.
Acting as a valuable support and subject matter expert to various teams within the People department, addressing queries and challenges.
What We're Looking For 🕵️
2+ years of experience working in a People Partner role within a fast growth, technology-led organisation, ideally supporting multiple geographies.
Experience with Executive Coaching would be a great advantage but not essential.
Hands‑on experience managing complex employee relations and case management, including knowledge of UK and US employment laws and regulations.
Great attention to detail, a passion for delivering great customer experience and you can spot an opportunity to improve a process at a mile off.
Experience in handling sensitive matters with tact and diplomacy, you are comfortable having difficult conversations, working professionally and discreetly with sensitive information.
Strong interpersonal and stakeholder management skills. Both the what and the how matter to us: explaining requirements and processes is key, but first comes the critical step of gaining stakeholder buy-in. You’ll build strong relationships based on trust and confidence, and have the ability to influence.
We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.
For the full breakdown on what's available in your location, visit our Candidate Hub 👈
Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.
We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.
We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!
","descriptionPlain":"Most money apps talk at you. Cleo talks back ✨\n\nWe're not building another finance app. We're building the world's first AI financial assistant, one that actually understands your money and makes you better at it, and we're changing the world's relationship with money in the process 💰 For everyone, whatever their background or balance.\n\nThe proof: profitable, fast-growing, a unicorn with over $300M in ARR, and millions of people who now feel differently about their money.\n\nWe love original thinkers who challenge the status quo. We move fast, tell the truth, and there's nowhere to hide from good work here. If that excites you more than it scares you, you'll fit right in.\n\nFollow us on LinkedIn https://www.linkedin.com/company/cleo-ai/ for new features and the occasional roast 🔥\n\nMeet the team 👥\nHi, I’m Taten 👋 Chief Operating Officer at Cleo. I lead the teams that help Cleo operate and scale effectively, spanning People & Talent, Legal, Compliance & Policy, Operations, and Partnerships. Together, these teams build the capabilities, relationships, processes and foundations that enable Cleo to grow responsibly while delivering for our customers.\n\nWe’re looking for people with strong judgment, deep curiosity, and a drive for getting things right. You’ll own your area, move quickly, and stay close to the details all while partnering with leaders and teams across Cleo to solve complex problems and drive meaningful progress. This is a great environment for thoughtful, enterprise-minded people who know when to bring others along and when to seek a different perspective. If you can balance principle with pragmatism, bring clarity to complexity, and want to help build a company that grows with intention, Cleo is a place where you can have real impact.\n\nAbout the Role ✍️\nWe’re looking for a People Partner to join our Partnerships team. You’ll collaborate closely with the wider team and the Head of People Partnerships, supporting all aspects of the People Agenda. You’ll provide consultative advice to leadership, tailored coaching, drive positive change, and lead on complex Employee Relations matters in the departments you support. You will also play a role in company-wide people initiatives, including learning and development, employee engagement, and performance management.\n\nKey responsibilities for this role include:\n\n - Partnering with business areas to align their people strategies with the goals of those departments, becoming a trusted, expert advisor.\n\n - Supporting key company wide programs like the Talent Review Cycle and Talent Check Ins, supporting data collation and integrity, fostering a culture of high performance and growth.\n\n - Managing 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.\n\n - Working 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.\n\n - Providing tailored coaching to help up skill our leaders in a meaningful way.\n\n - Delivering 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.\n\n - Creating and delivering Learning and Development initiatives to enhance skills across the organisation.\n\n - Ideating and execute key work streams and projects within the People Roadmap, autonomously and collaboratively.\n\n - Acting as a valuable support and subject matter expert to various teams within the People department, addressing queries and challenges.\n\n\nWhat We're Looking For 🕵️\n\n - 2+ years of experience working in a People Partner role within a fast growth, technology-led organisation, ideally supporting multiple geographies.\n\n - Experience with Executive Coaching would be a great advantage but not essential.\n\n - Hands‑on experience managing complex employee relations and case management, including knowledge of UK and US employment laws and regulations.\n\n - Great attention to detail, a passion for delivering great customer experience and you can spot an opportunity to improve a process at a mile off.\n\n - Experience in handling sensitive matters with tact and diplomacy, you are comfortable having difficult conversations, working professionally and discreetly with sensitive information.\n\n - Strong interpersonal and stakeholder management skills. Both the what and the how matter to us: explaining requirements and processes is key, but first comes the critical step of gaining stakeholder buy-in. You’ll build strong relationships based on trust and confidence, and have the ability to influence.\n\n\nWHAT WE OFFER\n\nWe offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning & development platform, pension or retirement contributions, and location-specific leave entitlements.\n\nFor the full breakdown on what's available in your location, visit our Candidate Hub https://meetcleo.notion.site/Cleo-Candidate-Hub-3b95c63b874580e9a068fdc6c8929ebf 👈\n\n\n\n\nWHAT MATTERS\n\nCleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.\n\nWe're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.\n\nWe may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!"}],"apiVersion":"1"}