Senior Machine Learning Engineer - Credit Risk
Senior Machine Learning Engineer - Credit Risk
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Job Description
About Cleo
At Cleo were not just building another fintech app. Were embarking on a mission to fundamentally change humanitys relationship with money. Imagine a world where everyone regardless of background or income has access to a hyper-intelligent financial advisor in their pocket. Thats the future were 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 isnt just a job; its 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 youre driven by complex challenges that push your expertise the chance to shape something truly transformative and the potential to share in Cleos success as we scale while growing alongside a company thats 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
Youll 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. Youll 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
Youll be working on a hugely impactful workstream focused on the decisioning process that underpins our Cash Advance product. Youll be working on business critical projects that influence our lending policies and impact the users that utilise this feature. The team focuses on understanding users 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 youll be doing
- Improving our current machine learning models.
- Exploring alternative modelling approaches including deep learning.
- 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 Cleos 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 users solvency customer segmentation payment processing and more!
- Impacting Cleos bottom line through improving our eligibility and decisioning systems.
If you want to hear more from the Data Science team check out Laurences 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: 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 cant fight for the worlds financial health if were 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. Were a globally distributed team. If you live in London we have a hybrid approach wed love you to spend one day a week or more in our beautiful office. If youre outside of London well encourage you to spend a couple of days with us a few times per year. And well 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
- Well 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 theres 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 youre an existing user youll still have access to the app. But some features wont be available (just for a little while). Why 99% of our users are based in the US where financial health is often overlooked. Weve 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 well be able to apply what we learn to better support our UK users in the future.
Required Experience:
Senior IC
Employment Type
Full Time
