Junior Software Engineer

About The Company

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.

About The Role

Applications close on Friday 2nd January 2026. Please be free to interview throughout January until the Friday 23rd. Offers will be sent out end of January.

We are looking for candidates able to start in March/beginning of April latest.

We’re looking for a number of brilliant Junior/Graduate Engineers to join us on our mission to fight for the world's financial health. You’ll be joining and learning from a team of adaptable, creative and product-focused engineers who ship working software.

We understand our customers, we understand their pain, and we are passionate about helping them.

What You’ll Be Doing

• Joining a cross-functional product squad with a mix of backend engineers, data analysts, frontend engineers, user researchers, designers, UX writers and others to develop features that improve our users’ financial health
• Supported by your squad, you’ll work on our Ruby on Rails monolith to build out data models, background workers, JSON apis, and business logic services to support those product features.
• Writing automated tests alongside your code to give us the confidence to ship it.
• Learning how to use AB-Tests, feature flags and other tools that let us iterate quickly.
• Learning about our approach to data-driven development where we emit data with each feature we build so we can measure what it’s doing, and finding out how we analyse that data to detect problems and come up with new ideas
  
  

Here Are Some Examples, Big And Small, Of The Kinds Of Product Feature Work Our Engineers Have Taken Part In Over The Last Year

• Building a secured credit card from scratch to help our users improve their credit scores without changing their habits.
• Launching our new budget rewind feature to help users understand their pay-cycle and provide them with better analysis of how they got on with their budget.
• Adding discount plans and tiering options to our subscriptions so we can experiment with the best pricing for different types of users.
  
  

Whichever squad and part of the business you land in, you will ship changes multiple times a day to our millions of active users and seeing your work having a material impact on the financial health of those most in need.

About You

Firstly and most importantly, all of the above sounds exciting to you and you want to make a positive difference in society by improving the financial health of our users worldwide.

You’ve also read our company values and engineering principles which drive our ways of working and help us deliver working software to our users, learn what works and iterate quickly to improve it. You are excited to learn how to embrace these opinions and use them to deliver value.

As this is a junior position we’re looking for someone who has recently graduated with a Computer Science/ STEM degree.

Regardless of which of these you’ve graduated from, you'll ideally have some experience using Ruby on Rails. That could be from course work, side-projects or commercial experience you’ve gained since graduating.

Applicants for this position need to apply by Friday 2nd January 2026, and be free to interview until Friday 23rd of January 2026. Offers will be sent out end of January.

We are looking for candidates able to start in March/beginning of April latest.

The interview process

• Recruiter call (20 mins)
• Meet the Engineers Interview (30 mins)
• Pairing Interview (75 mins)
• Final Interview (30 mins)
  
  

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.
• This position is a SE1 level and we can pay £43,300 - £58,00 per year for people in London depending on experience.
• This position is a SE1 level and we can pay £40,000 - 54,000 per year for people working remotely depending on experience.
• 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 days with us a few times per year. And we’ll 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)
• 1 month paid sabbatical after 4 years at Cleo
• 6% employer-matched pension in the UK
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced parental leave
• We'll pay for your OpenAI subscription
• Online mental health support via Spill
• Workplace Nursery Scheme
• Regular socials and activities, online and in-person
• 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 there’s 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 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.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Cleo AI. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Cleo AI may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Cleo AI's Candidate Privacy Notice