Machine Learning Engineer - Chat London

Cleo; London; On-site; GBP 50,000 - 90,000; Full time

Job description

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.

If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.

Machine Learning Engineers at Cleo work on building novel solutions to real-world problems. This really does vary but could be: creating chatbots to coach our users around their financial health, creating classifiers to better understand transaction data or even optimising transactions within our payments platform.

Ultimately, we’re looking for a brilliant Machine Learning Engineer to join us on our mission to fight for the world's financial health. You’ll be leading technical work within a team of adaptable, creative and product-focused engineers, who train & integrate cutting edge machine learning across a variety of products and deploy them into production for millions of users. We understand our customers, we understand their pain, and we are passionate about helping them.

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

• Designed and implemented AI agents to analyse and extract insights from users’ transactional data.
• Developed models to interpret transactional data, enhancing the understanding of users’ finances. Think about your bank statement—how often do you not recognise a transaction on first review?
• Created contextual intent classifiers to understand user conversations with Cleo, enabling tailored and accurate platform responses.
• Engineered ML models to identify and deliver relevant actions to users within Cleo, ensuring a seamless, context-aware conversational experience.
• Built models to evaluate risk in customer interactions with bank transaction features and user activities.
• Developed optimisation models to improve payment success rates for customers while minimising business costs, tackling this as a two-sided optimisation challenge.

Whatever problem you tackle, and whichever team you join, your work will directly impact those most in need, helping to improve their financial health.

Experience required:

• Excellent knowledge of both Data Science (Python, SQL) and production tools
• Experience building chat products
• A deep understanding of probability and statistics fundamentals
• Big picture thinking to correctly diagnose problems and productionising research
• Top tier communication skills, to be able to partner with Product and Commercial Leaders
• Industry-leading contributions to your field, communicated through conferences, blogs, talks, or open-source projects

What you’ll need:

• 3+ years of experience in data science, machine learning engineering, or related roles
• Excellent knowledge of both Data Science (python, SQL) and production tools
• Strong ability to communicate findings to non-technical stakeholders
• Experience deploying machine learning models into production; familiarity with Docker containers and container orchestration tools is a plus

What do you get for all your hard work?

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility. We can’t fight for the world’s financial health if we’re not healthy ourselves. We work with everyone to make sure they have the balance they need to do their best work
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love you to spend one day a week or more in our beautiful office. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally.
• Other benefits;
• Company-wide performance reviews every 6 months
• Generous pay increases for high-performing team members
• Equity top-ups for team members getting promoted
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
• 6% employer-matched pension in the UK
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• 1 month paid sabbatical after 4 years at Cleo
• Regular socials and activities, online and in-person
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• Workplace Nursery Scheme
• And many more!

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.If there’s anything we can do to accommodate your specific situation, please let us know.

UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.

Apply for this job

*

indicates a required field

First Name *

Last Name *

Email *

Phone *

Resume/CV *

Enter manually

Accepted file types: pdf, doc, docx, txt, rtf

Enter manually

Accepted file types: pdf, doc, docx, txt, rtf

Do you require visa sponsorship in order to work in the UK? * Select...

GDPR Point of Data Transfer *

Confirm

This email is to notify you that personal data about you has been collected by Cleo AI Ltd (hereafter "Controller"), which is located at Cleo AI Limited LTD Telephone House, 69 Paul St, London EC2A 4NG, UK and can be contacted by emailing [e-mail], because Controller wishes to evaluate your candidacy for employment at Controller.
Your personal data was either obtained from publicly available sources (e.g. LinkedIn) or provided to Controller by someone who referred you for potential employment. Your personal data will be processed for the purposes of managing Cleo AI's recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under Art. 6(1)(f) of Regulation (EU) 2016/679 (General Data Protection Regulation) as necessary for the purposes of the legitimate interests pursued by Cleo AI, which are the solicitation, evaluation, and selection of applicants for employment. Your personal data has been shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by Controller to help manage its recruitment and hiring process on Controller's behalf. Accordingly, if you are located outside of the United States, your personal data has been transferred to the United States. Because the European Union Commission has determined that United States data privacy laws do not ensure an adequate level of protection for personal data collected from EU data subjects, the transfer was subject to appropriate additional safeguards under [either the standard contractual clauses or the Privacy Shield]. You can obtain a copy of the standard contractual clauses by contacting us at [e-mail] . Your personal data will be retained by Cleo AI as long as Cleo AI determines it is necessary to evaluate your application for employment. Under the GDPR, you have the right to request access to your personal data, to request that your personal data be rectified or erased, and to request that processing of your personal data be restricted. You also have to right to data portability. In addition, you may lodge a complaint with an EU supervisory authority.
Data is shared with employees at Cleo AI who are involved in the hiring process or decision. Your data will be retained in our Applicant Tracking System as long as a candidate is interested in positions within the organisation, but not longer than one year. Data will be used for recruitment purposes only. Contact to complain, request copy or deletion of data [e-mail]

Do you have commercial experience with Natural Language Processing? *

What are your salary expectations? We only ask this to make sure we're in the same ballpark before asking you to commit your time to interviewing with us. Feel free to leave blank if you'd prefer not to answer at this stage. *

Where did you hear about us? *

Someone at Cleo reached out to me

LinkedIn Jobs

LinkedIn - Cleo Post

LinkedIn - Employee Post

Cleo Blog

Data Science Festival

Conversational AI London

Silicon Milkroundabout

Women in Product Meetup

ProductTank Meetup

Brighton Ruby

Referred by a friend

Prefer not to say

If you’ve heard about us from multiple sources, you can check multiple boxes.

Demographics

We're massively focused on creating a diverse and inclusive workplace at Cleo and we believe that starts right from the very beginning of your journey with us. We have a few questions that we'd love you to answer to make sure that our hiring process is as fair and inclusive as possible.

All data collected is completelyanonymousand haszeroattachment or bearing on your application.

What is your gender? * Select...

How would you describe your race / ethnicity? * Select...

Which age group do you belong to * Select...

What is your sexual orientation? * Select...

Are you a carer? If yes, please specify. * Select...

Would you identify yourself as a person with a disability? If yes, please specify. * Select...

How would you describe the majority of your education? * Select...

What was the occupation of your main household earner when you were about aged 14? * Select...

By checking this box, I consent to Cleo collecting, storing, and processing my responses to the demographic data surveys above. *