Product Engineers; Polyglots | Mid-Senior | hybrid + remote

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 $300 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 Linked In to keep up to date with new product features and insights from the team.

At Cleo, we care far more about how you think than which language you’ve used before. While much of our product runs on Ruby today, we’re deliberately hiring polyglot engineers because diverse technical backgrounds make our teams stronger – different languages shape how you solve problems, reason about systems, and design clean software. If you’ve shipped meaningful product work in any modern stack, you’ll ramp quickly here.

What matters most is curiosity, thoughtful engineering, and a willingness to learn, not a perfect match on our tech.

You’ll join a cross‑functional product squad and work closely with engineers, designers, analysts, and product partners to build features that improve our users’ financial health. You’ll shape the direction of upcoming work, break down problems with your team, and help drive projects from early discovery all the way to shipped impact. Day‑to‑day, you’ll work across our backend and product systems – much of which runs in Ruby today – but you don’t need Ruby experience to thrive here.

We value engineers who think clearly, understand trade‑offs, and can apply strong fundamentals to any language or framework. You’ll build and evolve APIs, data models, and business logic; contribute to testing, observability, and experimentation; and help us continuously improve developer experience and product quality. Along the way, you’ll mentor others at your level (mid, senior, or beyond), share knowledge generously, and contribute to a team culture where engineers grow quickly and have real influence.

• Building a secured credit card
• Launching new budgeting and financial insight features
• Running subscription and pricing experiments

You care about building products that genuinely help people, and improving financial health is a mission that resonates with you. You’re an engineer with solid fundamentals who has worked in any modern tech stack – the exact language isn’t important. What matters is your ability to reason clearly, learn quickly, think in trade‑offs, and write maintainable, thoughtful code. You collaborate well with product, design, and data;

you’re curious about users; and you enjoy shaping work beyond just the technical bits. Whether you’re mid‑level, senior, or leading teams already, you contribute positively to engineering culture, support others, and help raise the bar for those around you. You align with our values and engineering principles – rooted in autonomy, accountability, pragmatism, and building things that genuinely improve people’s lives.

Cleo is built as a Ruby on Rails monolith with a single React Native app frontend, utilising Type Script. We also leverage Python for machine learning services and Postgre

SQL for our database, all hosted on AWS. Our CI/CD pipeline is fully automated, with production deployments happening on every merge via Heroku. Our backend engineers deploy multiple times a week, and we release our…