Job Specifications
About Cleo
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.
Follow us on LinkedIn to keep up to date with new product features and insights from the team.
The team
You'll join the existing data science function here at Cleo; a thoughtful and collaborative team of dedicated data scientists, ML engineers, and analysts with significant industry experience that is at the heart of everything we do at Cleo. You'll build and deploy production models that developers will feed directly into the product.
This position is essential in the expansion of both product and business. We are highly data driven, whether that be understanding natural language, deriving insights from financial data, or determining which financial product is best suited to a user. We have interesting problems to solve on an ever-increasing scale
You'll be working on a hugely impactful workstream, focused on the decisioning process that underpins our Cash Advance product. You'll be working on business critical projects that influence our lending policies and impact the users that utilise this feature. The team focuses on understanding user's cashflow, including payment data and risk profiles - this data is then modelled to work out credit risk for each user.
Check out this blog on how data science makes Cleo, Cleo.
What You'll Be Doing
Improving our current machine learning models.
Exploring alternative modelling approaches, including casual modelling techniques
Work closely with credit analysts to manage our credit risk and drive improvements to our credit policies.
Finding opportunities for model and product improvements in Cleo's extensive datasets of transactions, bank balances, and customer behaviour.
Understanding core problems faced by our Payments & Lending team and leading the team to overcome them - this could include understanding user's solvency, customer segmentation, payment processing, and more!
Impacting Cleo's bottom line through improving our eligibility and decisioning systems.
If you want to hear more from the Data Science team, check out Laurence's blog post.
About You
Extensive experience in data science or related roles.
Ability to write production quality code in Python and SQL.
Experience deploying machine learning algorithms into production.
Experience conducting A/B experiments & measuring impact.
Strong understanding of classification models. Ideally within risk, or more broadly with imbalanced data.
A strong ability to communicate findings to non-technical stakeholders in a concise and engaging manner.
Habits of keeping abreast of the latest research and experimenting productively with new technologies.
Experience leading data science initiatives and taking ownership of services or models.
Experience proactively influencing the ML roadmap, driving new ideas with impact.
Nice to haves
Experience with containers and container orchestration: Kubernetes, Docker, and/or Mesos, including lifecycle management of containers
Experience working with AWS technologies such as EC2, S3, Sagemaker
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
About the Company
Cleo. Where AI meets money.
Cleo launched in 2016 by people who have been burned by banks. Fed up with the broken system, we decided it was time to make a change.
Since then, the cost of living has skyrocketed, the rich have continued getting richer, and our vision has only become clearer.
Our mission? To change the world's relationship with money.
Cleo is a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how we feel about our finances.
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