Lead Machine Learning Engineer (Credit Risk)

Cleo Location Not Available

Stellenbeschreibung:

Overview

Lead Machine Learning Engineer (Credit Risk) at Cleo. This role focuses on building and deploying machine learning models to power our credit risk engines and drive improvements in credit modelling and business outcomes.

About Cleo: At Cleo, we're on a mission to fundamentally change humanity's relationship with money. We aim to provide a hyper-intelligent financial advisor in users' pockets and grow a profitable, fast-growing fintech company focused on real impact.

The role

Machine Learning Engineers at Cleo work on building novel solutions to real-world problems. In this role the work will be centred around building and deploying machine learning models to power our credit risk engines. You’ll lead technical work within a team of adaptable, creative and product-focused engineers, and deploy models into production for millions of users. You will help drive our models to be the best in the business and shape the future of credit modelling while impacting the company bottom line.

Examples of product feature work our ML engineers have taken part in include:

Deployed credit decisioning models affecting millions of customers using open banking data
Developed models to interpret transactional data to better understand users’ finances
Created contextual intent classifiers to understand user conversations and enable tailored responses
Engineered models to identify and deliver relevant actions within Cleo for a seamless, context-aware experience
Built models to evaluate risk in customer interactions with bank transaction features and user activities
Developed optimisation models to improve payment success rates while minimising costs
Designed AI agents to analyse and extract insights from transactional data

What skills you need

Experience deploying multiple machine learning models into production; familiarity with Docker containers and container orchestration tools is a plus
5+ years of experience in data science, machine learning engineering, or related roles
Excellent knowledge of both Data Science (Python, SQL) and production tools
A deep understanding of probability and statistics fundamentals
Big picture thinking to correctly diagnose problems and productionise research
Strong communication skills to partner with Product and Commercial Leaders
Industry-leading contributions to your field (conferences, blogs, talks, or open-source projects)
Strong ability to communicate findings to non-technical stakeholders
Experience leading projects with multiple people and developing a short-term roadmap
Comfortable breaking down work incrementally

Nice to have

Line management experience would be a plus

Recruitment process

Talent Screen with a Talent Partner (30 mins)
Interview with the Hiring Manager (30 mins)
Technical Interview (45 mins)
White-boarding session (60 mins)
Technical Discussion (45 mins)

What you get

Competitive compensation package (base + equity) with bi-annual reviews
Work at a fast-growing tech startup backed by top VC firms
A clear progression plan with support to grow, lead, and impact
Flexibility and a globally distributed team with travel support
Company-wide performance reviews every 6 months
Generous pay increases for high performers and equity top-ups on promotion
Generous leave: 25 days + public holidays (+1 day per year up to 30)
UK pension, private medical and life insurance, enhanced parental leave
One month paid sabbatical after 4 years, regular socials, and wellness support
Support for tools and subscriptions (e.g., OpenAI) and mental health resources

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.

By submitting this application, I confirm that all information provided is true to the best of my knowledge and I have disclosed any previous employment with Cleo AI. I understand that inaccurate information may lead to rejection of my application or termination of employment. By submitting, I agree that my personal data will be processed per Cleo AI's Candidate Privacy Notice.