Machine Learning Engineer - Payments & Fraud

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.

About Cleo

Most people come to Cleo to do work that matters. Every day, we empower people to build a life beyond their next paycheck, building a beloved AI that enables you to forge your own path toward financial well-being.

Backed by some of the most well-known investors in tech, we’ve reached millions of people to support them throughout their financial lives, from their first paycheck to their first home and beyond. We're hitting headlines too. This year, Forbes named us as one of their Next Billion Dollar Startups, and we were crowned the 'Hottest Tech Scaleup' at the Europas.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

The team:

You’ll join our existing Machine Learning team responsible for building and deploying production level models into Cleo’s products. 

Cross-collaboration is key at Cleo, which means long gone are the days of siloed centralised Data Science functions. As a Machine Learning Engineer at Cleo you will be an embedded part of a cross-functional team made up of engineers, product managers and analysts.

You’ll primarily be leveraging advanced Natural Language Processing and Generative AI techniques to make Cleo more intelligent and improve our chatbot utility across a multitude of interesting use cases:

• Enabling deeper understanding of our users financial situations and goals using transaction-level NLP to aid stronger coachability on saving and spending
• Enhanced user activation experience
• Growing user acquisition & engagement across our products

Check out the following resources to learn more about how Data Science makes Cleo, Cleo:

• https://web.meetcleo.com/blog/data-science-how-we-make-cleo-cleo
• Large language models for understanding personal finance • Data Science Festival

What you’ll be doing

• Training or fine-tuning machine learning models, and collaborating with the engineering team to integrate them into Cleo’s product.
• A wide range of ML tasks: classification, recommender systems, generative models
• Finding opportunities for model and product improvements in Cleo's extensive datasets of chat conversations, spending patterns, and app interactions

Want to hear more from our Data Scientists? Check out Laurence's blog post. 

About you

• Experience in data science, machine learning engineering, or related roles
• Familiarity with deep learning and/or recommender systems
• Sound understanding of how the models you build drive user and business impact
• Proficient in Python programming and able to write moderate to complex SQL queries
• 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?

• Salary bandings are open source. You'll also receive a generous equity package. You can view our progression framework and salary bandings here: https://cleo-ai.progressionapp.com/teams/data-hytlm2bwmux2. This role will be at DS3-DS4 banding salary depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms like Sofina, Balderton & EQT Ventures.
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility: We treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• Hybrid-first: Join our hybrid-first team, where we blend the best of both remote and in-office work. If based in London, we'd love to see you 1-2 times a week. On Wednesdays, we buy you lunch but you can come to the office on whichever days work best for you!
• Other benefits;
  • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
  • Check out our new benefits package here: https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
  • 6% employer-matched pension in the UK
  • Company-wide performance reviews every 8 months e.g every 2 terms, in line with our termly cycles (Jan-April, May-Aug, Sept-Dec):
    • Generous pay increases for high-performers and high-growth team members
    • Equity top-ups for team members getting promoted
  • Private Medical Insurance via Vitality, dental cover, and life assurance
  • Enhanced parental leave
  • 1 month paid sabbatical after 4 years at Cleo
  • Regular socials and activities, online and in-person
  • We'll pay for your OpenAI subscription
  • Online mental health support via Spill
  • And many more!

UK App access: The Cleo app is no longer downloadable in the UK (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. Check out this page for more information.