Wayfindi

Staff Engineer - Ruby UK & EU (remote) About the company 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. What you'll be doing Acting as a Staff IC across a pillar, shaping technical direction and driving delivery across multiple squads Partnering with senior peers to define architecture and lead complex, high impact initiatives Bringing teams together to ship ambitious product work that improves users' financial health Building shared systems, patterns, and tooling that raise the bar across engineering Staying hands on in our Ruby on Rails monolith - designing APIs, data models, and scalable services Anticipating risks and opportunities early, influencing plans and technical strategy Mentoring engineers and TLs, growing the next generation of technical leaders About you You're excited by the opportunity to own and influence technical direction at a pillar level You've operated at senior/staff level across multiple teams or complex domains You bring strong technical judgment and think in long term, scalable solutions You're comfortable leading without authority and aligning teams around a shared direction You have a track record of building systems and practices used beyond your immediate team You enjoy mentoring and raising the bar for others You have strong, hands on experience with Ruby on Rails (essential) You're based in the UK or Europe; we hire hybrid & remote in the UK & fully remotely across the EU. We love distributed teams. For this role, we're ideally looking for candidates based within one hour either side of London time, to keep collaboration smooth and calendars sane. Our Tech Stack Cleo is built as a Ruby on Rails monolith with a single React Native app frontend, utilising TypeScript. We also leverage Python for machine learning services and PostgreSQL for our database, all hosted on AWS. Our CI/CD pipeline is fully automated, with production deployments happening on every merge via Kubernetes. Our backend engineers deploy multiple times a week, and we release our frontend app to Google and Apple for review at least once a week. While we take a pragmatic approach, we place a strong emphasis on quality. Our code is peer reviewed, and we maintain automated testing using Minitest and CircleCI. We're also actively working towards a more modular architecture, focusing on separating concerns to achieve all the benefits of microservices within a monolith, while progressively refactoring our code as we build new features. Everyone in the engineering team contributes to driving our technical strategy, voices & ideas from all levels are valued: we are all owners at Cleo. What do you get for all your hard work? A competitive compensation package (base + equity) with 3 annual reviews, aligned to our termly OKR planning cycles. You can view our public progression framework and salary bandings here: 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 in the UK or EU, 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 4 months Generous pay increases for high performing team members Equity top ups for team members getting promoted An additional day for every year you spend at Cleo (up to 30 days) 1 month paid sabbatical after 4 years at Cleo Regular socials and activities, online and in person We'll pay for your OpenAI + Claude subscription Online mental health support via Spill And many more, depending on your location! 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. App access: The Cleo app is downloadable in the UK & USA. We're not currently in the EU. 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. We can share a slide deck detailing the apps capabilities in more detail though, to help you through the interview process. 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.

Wayfindi is looking for a Staff Engineer who will lead initiatives across multiple teams, and bring together teams to improve users' financial health through innovative solutions. This role requires strong experience with Ruby on Rails, a knack for defining technical direction, and the ability to mentor emerging leaders in the tech space. Remote work options are available for candidates based in the UK or EU, ideally within one hour of London time.

Wayfindi is seeking a Senior / Lead Data Scientist for Strategic Finance based in the United Kingdom. This critical role involves managing debt facilities with accuracy and building a robust reporting framework. The ideal candidate will bring over 5 years of experience in data analytics, ideally within a fintech environment, and possess strong SQL and BI tool skills. Join a rapidly growing team committed to transforming financial relationships.

Senior / Lead Data Scientist, Strategic Finance (Capital Markets) Office: United Kingdom Apply for this role 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 $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 LinkedIn to keep up to date with new product features and insights from the team. About The Role We're hiring a Senior / Lead Data Scientist, Strategic Finance (Capital Markets). This is a hands on, high responsibility role focused on ensuring Cleo's debt facilities are managed with rigour, transparency, and data integrity. You'll own the reporting and tooling that underpin our capital markets relationships - from covenant compliance and concentration monitoring to performance pacing and drawdown requests. Your work will ensure Cleo can both meet its obligations to lenders and scale access to capital with confidence. This role sits within Strategic Finance and partners directly with Debt Capital Markets, FP&A, and Data teams. You'll be responsible for building the systems, controls, and reporting frameworks that keep investors fully informed, while also making our internal capital allocation processes more automated and efficient. If you thrive on detail, precision, and building infrastructure that lenders can trust, this role gives you the opportunity to shape how Cleo manages and grows its access to capital. What You'll Be Doing Debt Compliance & Monitoring: Own reporting for financial covenants, concentration limits, and facility triggers, ensuring complete accuracy, consistency, and proactive monitoring Investor Relations Q&A: Partner with Debt Capital Markets to respond to lender questions, supplying timely, high quality data and clear explanations of performance drivers. Capital Allocation Tooling: Build automated workflows for drawdowns, repayments, and capital allocation across facilities, reducing manual work and increasing speed of execution. Performance Tracking: Develop dashboards that surface key warehouse and forward flow metrics, utilisation, advance rates, arrears, and portfolio concentration, in real time. Audit Ready Reporting: Ensure all reporting and data governance standards meet lender expectations, external audit requirements, and internal controls. Cross Functional Partnering: Work with FP&A, Data, and Finance Ops to integrate facility reporting into Cleo's broader forecasting, cash planning, and financial strategy. What We're Looking For 5+ years in data analytics, or hybrid data/finance roles, ideally in a high growth, product led company. Experience working in a tech/fintech company with Capital Markets activities Excellent SQL skills Hands on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow). A solid grasp of financial and operational metrics-ideally having worked closely with FP&A, Strategic Finance, or similar teams. Familiarity with credit exposures and facility level reporting - understanding how utilisation, concentration, and covenant tests drive capital markets relationships. Experience supporting multiple debt facilities or investor stakeholders, ensuring reporting is accurate, consistent, and compliant across different structure. A bias for action and ownership-you're excited to build from scratch, own it end to end, and deliver value fast/ Strong communication skills, with the ability to work fluidly across technical and non technical teams. Interest in fintech and Cleo's mission to make money easier and more human Nice To Have Experience speaking directly with investors/lenders, whether to respond to Q&A, walk through reporting, or explain drivers behind performance. What would you get for your hard work? A competitive compensation package (base + equity) with termly reviews, aligned to our OKR planning cycles. The salary banding for this position is: Senior (L3): £75,000 - £95,000 UK, Hybrid / £69,000 - £87,400 UK, Remote Lead (L4): £95,000 - £120,000 UK, Hybrid / £87,400 - £110,400 UK, Remote 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. Company wide performance reviews every 4 months Generous pay increases for high performing team members Equity top ups awarded across all levels in performance reviews 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 Online mental health support via Spill Enhanced parental leave Workplace Nursery Scheme Paid for access to multiple AI platforms (ChatGPT, Codex, Claude) Access to the latest AI coding models Pick your kit - choose between a Windows or an Apple computer Regular socials and activities, online and in person And many more! Welcoming Everyone 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. Apply for this role

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. We're hiring a Director of UKCompliance to join Cleo's Legal, Compliance & Policy team in a pivotal role focused on building and leading our new credit and other regulated products compliance program in the UK. This is an opportunity to take ownership for Cleo's UK regulated products, helping shape the framework, processes, and governance that will support our next phase of growth. You'll serve as the UK Compliance leader, acting as a key partner to the business and a trusted subject matter expert on FCA and CONC requirements, regulatory obligations, and compliance risk. From maintaining existing authorisation and reporting obligations to supporting new licences and approvals tied to future products, you'll play a central role in helping Cleo scale responsibly and confidently in the UK market. This role is ideal for someone who enjoys building from the ground up, thrives in fast-moving fintech environments, and is excited by the chance to create a strong, modern compliance program within an international legal, compliance, and policy function. You'll have significant ownership, visibility, and the opportunity to help shape both the regulatory strategy and the team around it. What You'll Be Doing Proven ability to serve as SMF 16 (Compliance) and SMF 17 (AML) Take ownership over these key responsibilities for UK compliance program, ensuring it is fit for a growing fintech business and aligned to regulatory expectations, business strategy, and product expansion. Own compliance for UK credit and other regulated products Act as the compliance lead for Cleo's UK regulated offerings, advising on applicable FCA rules and broader regulatory requirements across the product lifecycle, from design and launch through ongoing oversight and change management. Provide AML and financial crime leadership Support and oversee UK AML compliance requirements, including advising on relevant regulations, financial crime controls, and governance. Manage FCA engagement and regulatory relationships Serve as a primary point of contact for UK regulatory matters, including interfacing with the FCA, supporting regulatory queries, examinations, and investigations, and ensuring the business is prepared, responsive, and well-documented. Maintain regulatory authorisations and reporting obligations Oversee ongoing compliance obligations tied to existing UK authorisations, including regulatory reporting, governance requirements, and internal controls needed to maintain a strong compliance posture. Support new licences and regulatory approvals Partner with Legal, Product, and business stakeholders to support applications for new licences, permissions, and authorisations associated with new products, including credit-related permissions and other regulated activity as needed. Partner cross-functionally to embed compliance Work closely with Legal, Product, Engineering, Operations, and other teams to translate regulatory requirements into practical, scalable processes and controls that enable the business to move quickly while managing risk appropriately. Drive compliance risk management and issue resolution Identify, assess, and elevate compliance risks; support investigations and remediation efforts; and help ensure that complaints, regulatory issues, and business changes are handled in a way that protects customers and the company. Help shape the future of the function Contribute to the growth of Cleo's broader international compliance capabilities, with the opportunity to build processes, improve governance, and manage at least one direct report as the UK program expands. What We're Looking For Must-Have 7+ years experience within UK financial services, ideally in a fintech or other fast-paced regulated environment. 2+ years as a SMF 16 and SMF 17 in UK regulated entity offering credit products. Strong knowledge of AML + KYC frameworks and financial crime compliance requirements, with experience serving as an MLRO Direct and hands on experience applying CONC rules to regulated consumer credit products, for example, but limited to Responsible Lending CONC 5, Financial Promotions CONC3, Arrears and Defaults CONC 7. Strong working knowledge of the FCA regulatory framework and experience supporting or leading compliance for UK regulated products. Hands-on experience maintaining regulatory authorisations, managing FCA reporting obligations, and supporting ongoing regulatory compliance requirements. Experience working directly with the FCA during regulatory reviews, examinations, investigations, or other supervisory interactions. Experience supporting or leading applications for new licences, permissions, or authorisations, preferably including consumer credit or related regulated activities. Ability to balance regulatory rigour with commercial pragmatism, providing clear advice that mitigates risk while enabling business objectives. Strong judgment, ownership, and communication skills, with the ability to operate independently and influence senior cross functional stakeholders. Experience building or maturing compliance programs, frameworks, policies, and controls in a scaling business. Nice to have: Experience in a startup or high growth fintech environment. Experience in de'novo consumer credit application with the FCA S166 experience in a previous organisation Experience building a compliance program or function with a high degree of autonomy. Prior people management experience, or readiness to lead and develop at least one team member. Familiarity with product development processes and advising on compliance considerations for new products and features. Relevant compliance certifications or professional qualifications in compliance, AML, or financial crime. 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. 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) 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 We'll pay for your OpenAI subscription Online mental health support via Spill Workplace Nursery Scheme And many more! Welcoming Everyone 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.

Cleo is seeking a Director of UK Compliance to lead their compliance program in the UK regulated products space. This pivotal role involves managing compliance with FCA regulations, AML requirements, and building a compliant foundation for their growing fintech operations. The ideal candidate will have extensive experience in the UK financial services landscape, particularly in fintech, and be passionate about building robust compliance frameworks. You will have the opportunity to make a substantial impact as Cleo scales.

Wayfindi is seeking a proactive individual to take ownership of its data ingestion platform. The role focuses on improving pipelines for cloud APIs and mobile SDKs while ensuring data quality and observability. You will scale essential systems that accommodate growing data needs while maintaining platform reliability. The ideal candidate will have a strong background in operational platforms and be experienced in handling production systems. Join us to build an innovative data foundation that powers our services.

This role exists because the platform needs a dedicated owner. Someone who thinks end-to-end-from a Garmin syncing at 3am to a webhook landing 400ms later. You're not building features. You're building the foundation. What you'll own Ingestion Pipeline- How provider data enters Terra from cloud APIs (Garmin, Fitbit, Oura) and mobile SDKs (Apple Health, Health Connect). Raw data in, queued for normalization. Normalization Engine- Transforms heterogeneous provider payloads into Terra's standardized models: Activity, Sleep, Daily, Body, Menstruation, Nutrition. The core IP that makes 500+ sources feel like one. Provider Framework- How new sources get onboarded. Web-based (OAuth, polling, rate limiting) and mobile-only (on-device SDK, background sync). Adding provider should be as fast as . Auth & Connections- Connect widget, custom UI flows, OAuth sessions, Terra User lifecycle, Reference ID mapping. Upstream Supplier Connector- New ingestion surface. Data suppliers push into Terra instead of us pulling. Ground-up build. API Versioning- Backwards compatibility and deprecation across the /v2 surface. Observability- Monitoring and alerting across the full pipeline. You know when a provider degrades before our developers do. What you'll build Scale event delivery to 10x- AI lab consumption is growing exponentially. Redesign the hot path without proportional cost increase. Ship the upstream supplier connector- Schema contracts, auth, validation, rate limiting. The interface for suppliers to push directly into Terra. Redesign normalization for schema evolution- Providers change APIs. Our models evolve. Downstream consumers can't break. Multi-destination fan-out- One event, reliably delivered to webhooks, SQL, S3, and queues simultaneously. Independent retry logic per destination. Provider health dashboards- Real-time visibility into every source's freshness, latency, error rates, and schema drift. Harden mobile SDK data path- Apple Health and Health Connect are fundamentally different from cloud APIs. On-device processing, background sync constraints, OS-level limits. Make it scale. Who you are A systems thinker - you see data flow and failure modes before you see features. Battle-tested at scale - you've operated platforms processing billions of events. You've fixed production at 2am. Observability-first- monitoring and tracing are part of your design, not bolted on after. Opinionated where it matters- event delivery guarantees, schema evolution, idempotency, API versioning. Opinions earned by shipping. Fast- architecture whiteboard Monday, production deploy Friday. Default yes- hard problems make you lean in. Accountable- you own production, you respond to incidents, you care about uptime. Skin in the game.

Cleo is seeking a Senior Machine Learning Engineer to lead technical work and implement machine learning solutions that improve users' financial health. This position offers a competitive compensation package, flexible work arrangements, and opportunities for personal growth within a fast-growing fintech startup in Greater London. Candidates should have expertise in data science and communication skills to work cross-functionally. A strong desire to make a positive impact on financial health is essential.

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. (Senior) Machine Learning Engineers at Cleo work on building novel solutions to real-world problems. This really does vary but could be: creating chatbots to coach our users around their financial health, creating classifiers to better understand transaction data or even optimising transactions within our payments platform. Ultimately, we're looking for a brilliant (Senior) Machine Learning Engineer to join us on our mission to fight for the world's financial health. You'll be leading technical work within a team of adaptable, creative and product-focused engineers, who train & integrate cutting edge machine learning across a variety of products and deploy them into production for millions of users. We understand our customers, we understand their pain, and we are passionate about helping them. Training and fine-tuning models to solve customer problems. Deploying these models into our production environments using our in-house ML platform, which you can read about on our blog:Let's have an Espresso: MLOps at Cleo . Or integrate with LLMs hosted by OpenAI, Anthropic, GCP, AWS and others. Working cross-functionally with backend engineers, data analysts, UX writers, product managers, annotation teams, and others to ship features that improve our users' financial health. Taking the initiative to propose & lead technical work towards problems that were previously unknown or poorly understood. Driving change at the chapter level that affects multiple squads. Mentoring & advising colleagues on their choices of models, architecture, and evaluation, promoting best practices for how we use LLMs. Here are some examples, big and small, of the kinds of product feature work our ML Engineers have taken part in over the last year: Developed deeper understanding of users finances through models extracting meaning from transactional data. Think about your bank statement, how often do you not know what a transaction is? Developed contextual intent classifiers to understand what conversations users are having with Cleo, enabling control of how Cleo should respond Building ML models to understand the actions that users have available to them in Cleo and provide those contextually in conversations Built ML models to understand the risk of customers using bank transaction features and user activity Built models to optimise the payment success for our customers and optimising the costs for the business. Think of this as a two-sided optimisation problem. Whatever problem you tackle, and whichever team you join, your work will directly impact those most in need, helping to improve their financial health. What You'll Need 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 productionising research Top tier communication skills, to be able to partner with Product and Commercial Leaders Industry-leading contributions to your field, communicated through conferences, blogs, talks, or open-source projects Nice to have Strong experience with additional programming languages, such as Java, Scala, C++ Industry-leading contributions to your field, communicated through conferences, blogs, talks, or open-source projects What do you get for all your hard work? A competitive compensation package (base + equity) with 3-annual reviews, aligned to our termly OKR planning cycles. Mid-level: London, UK Hybrid: £74,266 - £91,000 gross annually UK Remote: £69,699 - £85,000 gross annually Senior- level: London, UK Hybrid: £94,059 - £115,000 gross annually UK Remote: £88,938 - £109,000 gross annually 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. Company-wide performance reviews every 4 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 We'll pay for your OpenAI subscription Online mental health support via Spill Workplace Nursery Scheme And many more! Final compensation will be determined based on the candidate's seniority, qualifications, skills, and previous experience 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.

We are looking for a strategic Research Ops Lead to design, build, and scale the engine behind our Research team. You won't just be maintaining the status quo; you will design and implement an 'Insights Architecture,' manage global vendor contracts, and automate workflows to increase research velocity. You are a systems thinker who sits at the intersection of Procurement, Legal, Product Analytics, and User Research. Your goal is to remove friction points in the research lifecycle - from how we source diverse participants to how we integrate qualitative insights with data. Key Responsibilities Participant Sourcing & Strategy Design & Multi-Channel Sourcing: Move beyond basic databases to design a diverse, multi-channel participant strategy (internal, external, and community-based). Procurement & Vendor Management: Lead the procurement of contracts with external recruiting agencies and tooling platforms ensuring cost-efficiency and high-quality segment access. Knowledge & Insights Architecture Systems Integration: Partner with Data Science and Product Analytics to design data flows that connect our research repository with broader data systems. Redundancy Reduction: Audit global research output to identify and reduce redundant studies, ensuring insights are reused across the business. Infrastructure Design: Regularly evaluate and manage the research tech stack. You will run frequent Value Assessments to ensure our tools are delivering ROI. Future-Proofing: Evaluate new tools against our future growth needs and current integration requirements. Governance & Ethical Workflows Process Formalisation: Design and launch compliant, standardised data handling workflows (e.g., automated anonymisation processes). Ethics Leadership: Formalise and manage an internal Research Ethics Board or review process to ensure high stakes research meets global standards. Process Automation & Change Management Large Scale Improvements: Build and deploy automated systems for research intake and project tracking. Enablement: Facilitate training programs that democratise research activities, allowing non researchers to conduct basic studies safely while maintaining strict guardrails. What We're Looking For Contract & Vendor Expertise: Strong background in procurement and managing high value vendor relationships. Change Management: You don't just build tools and processes; you drive adoption across the organisation and can point to before and after metrics of operational efficiency. Compliance Literacy: Deep understanding of data privacy (GDPR/CCPA) and how to bake compliance into automated workflows. Autonomy: You are comfortable in the 'ambiguity zone' - defining your own problem space, scope, and solution roadmap without needing a step by step brief. 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. 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). 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. We'll pay for your OpenAI subscription. Online mental health support via Spill. Workplace Nursery Scheme. And many more! Welcoming Everyone 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.

Wayfindi in the United Kingdom is seeking a strategic Research Ops Lead to enhance our Research team. In this role, you will design an 'Insights Architecture,' oversee global vendor contracts, and automate workflows to improve research efficiency. The ideal candidate will have procurement and data privacy expertise, and a strong ability to drive adoption of innovative processes across the organization. This position offers a competitive compensation package and the flexibility to work remotely with opportunities to visit our London office.

we make it easy for developers and AIs to build on health data. hundreds of wearables, sensors, labs, and health apps - connected, normalized, and made intelligent through a single platform. 1,000s of developers and AI labs build on Terra today. we process 15+ billion health data events per year. and we are just getting started. the health OS health data is fragmented. every device, every app, every sensor speaks a different language. we built the health OS to solve that - a full-stack platform that turns raw, messy, siloed health data into something developers and AIs can reason over, build on, and ship with. Terra was founded in 2021 and operates from London, San Francisco, and South Korea. we are funded by Y Combinator (W21), General Catalyst, Samsung NEXT, NEXT Ventures, and many of the world's finest investors. we are a team of engineers, researchers, builders, and designers. we hire people who get things done, think from first principles, and learn ferociously. we default to yes. we ship fast. we hack. we build. we don't do bureaucracy. You will own and ship core platform systems that power how health data flows through Terra - from upstream data suppliers (wearables, health apps, sensors) into our unified schema, and out to downstream developers and AI consumers via our REST API, Streaming API, and webhooks. This is not a maintenance role. You will build new data connectors, scale real-time streaming pipelines, harden our authentication layer, and design the systems that handle millions of API calls per day. You will work across the entire stack - from low-level data ingestion to developer-facing API surfaces. You will ship fast, iterate through feedback loops, and think in first principles. We don't have layers of process. We have ownership and velocity. What You Will Build Unified API & Data Normalisation:Design and extend the systems that ingest raw health data from 100+ upstream providers (Garmin, Fitbit, Oura, Apple Health, Google Fit, Withings, etc.) and normalise it into Terra's standardised schema - consistent today, consistent next year. Upstream Data Supplier Connector:Architect and build Terra's new upstream connector capability, allowing data suppliers to push data directly into the platform. Define ingestion contracts, enforce data quality SLAs, and ensure schema compliance. Streaming API:Scale our real-time streaming infrastructure for live sensor data (heart rate, steps, distance) from Apple Watch and BLE/ANT+ devices via websocket listeners. Sub-second latency matters here. Authentication & Developer Experience:Own the authentication layer for both upstream suppliers and downstream developers. Build the OAuth flows, API key management, and RBAC + least privilege access controls that keep 1,000+ developers secure. Webhooks & Event Delivery:Design and harden the webhook delivery system that pushes health data events to downstream consumers. Guaranteed delivery. Retry logic. At-scale. Teams API:Contribute to our Teams API - enabling coaches, researchers, and organisations to aggregate and analyse group data across athletes, patients, and study participants. Health Scores & Derived Data:Build the backend systems that transform raw health metrics into validated scores (recovery, strain, stress, immunity) backed by research. Infrastructure & Reliability:Maintain 99.5%+ uptime on a platform that processes billions of events. Design for fault tolerance, observability, and horizontal scale What We Are Looking For 5+ years of production backend engineering.You have shipped systems that handle real traffic at scale. Not toy projects - real, battle-tested infrastructure. Deep API design experience.You've built REST APIs consumed by external developers. You understand versioning, rate limiting, pagination, error handling, and what it takes to make a developer love your API. Strong with distributed systems.Message queues, event-driven architectures, stream processing, data pipelines - you've built and operated them. Proficiency in Python and/or Go.Our stack is opinionated. You should be deeply fluent in at least one. Database expertise.PostgreSQL, Redis, time-series stores. You know when to use what and how to make it fast. Cloud-native mindset.AWS/GCP. Containers. CI/CD. Infrastructure as code. You don't wait for DevOps - you are DevOps. Security-first thinking.Encryption in transit and at rest (TLS 1.2+, AES-256). Data minimisation. GDPR, HIPAA, SOC 2 are not afterthoughts - they're built in from the start. Autonomous and fast.You don't need to be told what to do. You see the problem, you own it, you ship the fix. High velocity, high standards. You are an athlete.You train, you compete, you push limits - or at the very least, you are obsessed with quantifying your own data. The discipline, ambition, and courage it takes to show up every day and get better is the same energy we run on. If you understand the data because you live it, you'll build a better product. How we work We are a high-velocity team. We think in first principles, build via feedback loops, and default to "yes." When someone says something is hard, we focus on how to build it, not whether to. Skin in the Game.Everyone has equity. Everyone has stake. Your work directly moves the platform. Deep Work.We protect focus time. No meeting culture. We ship, not talk. Antifragile.We get stronger from chaos. Incidents make us better. Feedback makes us faster. Resourceful.We don't wait for perfect conditions. We build with what we have and iterate relentlessly. Hackers.We've battled at HackMIT, TreeHacks, and Harvard Hack. We build because we can't stop building. By submitting this application, I agree that my personal data will be collected, processed, and retained by the company solely for the purposes of managing and assessing my candidacy.

Wayfindi is seeking an experienced backend engineer to own and ship core platform systems that power health data flow. You will design real-time systems, scale streaming data, and build APIs that enable developers to utilize health data effectively. With a focus on speed and autonomy, you'll work across the entire stack, ensuring high performance and security. If you are passionate about health data and thrive in a fast-paced environment, we would love to hear from you!

Cleo is seeking a Senior Engineer II to enhance their React Native application, impacting users' financial health across the UK and EU. You will work closely with a diverse product squad, delivering mobile app features and maintaining high code quality through automated testing. The ideal candidate has over 5 years of experience in React Native and a passion for mobile app development. The role offers competitive compensation, equity opportunities, and generous benefits including mental health support.

Wayfindi in London is seeking a Mid Level Backend Engineer (Node.js) to enhance their backend infrastructure. You will be responsible for handling scaling challenges and new feature integrations while collaborating closely with the CTO. The ideal candidate has at least 2 years of software development experience, especially in Node.js, TypeScript, and JavaScript. This role demands high ownership and a results-oriented mindset in a fast-paced environment. Office attendance is required Monday to Friday.

Mid Level Backend Engineer (Node.js) Office: London Apply for this role About the company Emma is the app to manage all things money. Our mission is to empower millions of people to live a better and more fulfilling financial life. Emma was founded by engineers, who are extremely focused on coding, product and data. These are the three pillars on which we want to build a strong tech culture and fix personal finance once for all. We have raised more than $8m+ to date to build the one stop shop for all your financial life. Our investors include Connect Ventures (investor in Curve, TrueLayer and CityMapper), Kima Ventures, one of the first in Transferwise, and Aglaé Ventures, early stage fund of the Groupe Arnault, investor in Netflix and Airbnb. Alongside them, several angel investors, who have built and sold industry leading companies have decided to take part into this journey. At Emma, we are: Bold Determined Focused Autonomous We are a high-performance team and we run the company like a professional sports team. We expect each and every team member to move fast, have ownership over their work and hold each other to a high standard. If you're not driven to own your work, execute swiftly, and innovate constantly, this isn't the right place for you. About the role Responsibilities: You will work directly with the CTO and your focus will span different areas, with challenges related to our backend infrastructure, from scaling challenges to data processing ones. We have an intense roadmap ahead, which includes a plethora of new features and integrations, which you will be part of. Our tech stack: Languages: TypeScript, Javascript Libraries and frameworks: gRPC, Redux, React Native, Next.js Datastores: Vitess, MySQL, CockroachDB, BigQuery, Redis Infrastructure: Google Cloud Platform, Kubernetes, Docker, PubSub, Terraform Monitoring: Grafana, Prometheus, Sentry, Metabase Some of our current interests lie in: Product: We are building the first Finance App in the UK, used by many people every day. We are shipping an average of a feature per week and tons of micro improvements that compound in making our app valuable. Machine learning: we have an enormous amount of transaction data, which we are using to provide better insights to our users. Predicting when a user is going in overdraft, when a card payment is coming through or clustering a huge set of subscriptions are a few of the problems we are tackling. Scaling: our services are used by millions of people. We need to keep Emma up and running smoothly. This means an intense effort and quality in the work we do. Speed: In the hyper-competitive FinTech industry what really matters is speed. If we had to compare ourselves to someone, we like to think we would be Bolt. About you: You are a software developer with at least 2 years professional experience You are excited by what we're building at Emma You thrive in environments that afford you high levels of responsibility and autonomy You hold yourself and those you work with to high standards You are driven to fulfil your potential and grow as an engineer You take the initiative to learn new skills required to complete tasks You behave like an owner, taking total responsibility for your work and considering the bigger picture You are results-oriented and avoid unnecessary tasks You have strong opinions, weakly held, and the humility to change your mind when presented with new evidence Our process: Take-home test Phone call with internal recruiter 2nd call with CTO Onsite interview with CEO Our benefits: Paid Sick Leave Pension Contribution Referral Scheme: Recommend talented individuals and earn £1000 when they join us Emma Ultimate Subscription MacBook Annual Salary Review Discounted Gym Membership Private Medical Insurance and Perks with Vitality Perks at Work: Exclusive Discounts and Deals Eye Care Vouchers Cycle to Work Scheme One-month sabbatical every 5 years Regular Socials To facilitate communication, productivity and speed, we work from the office Monday to Friday. This is not a hybrid role. Please only apply if you can certainly meet this requirement. Our office address is: 1st Floor, Verse Building, 18 Brunswick Place, London N1 6DZ. By submitting this application, I agree that my personal data will be collected, processed, and retained by the company solely for the purposes of managing and assessing my candidacy. Apply for this role

Wayfindi is seeking a dynamic individual to create, test, and implement AI models in Greater London. You will engage in data analysis, machine learning, and natural language processing while fine-tuning AI performance. The ideal candidate must have a willingness to learn quickly and operate at high speed. The position offers a competitive salary of £33,000 - £60,000 plus stock options, depending on experience.

Responsibilities Be behind the curtain, creating, testing, and implementing AI models Engage in data analysis, machine learning, and natural language processing Fine tune the AI's performance and more Qualifications Must have prior experience or willingness to learn quickly. Must be fast, operating at high speed. Must be relentless. Must be customer driven. Must be driven and go above and beyond. Must communicate clearly. Must challenge and disagree constructively. Must be able to work autonomously. Must be willing to work hard. Must be a nice person. Big plus: Athlete or interested in quantifying data. Compensation £33,000 - £60,000 + stock options, depending on experience.

Wayfindi, based in London, is seeking talented frontend engineers to join our team. We build an intuitive health data platform that requires engineers who are passionate about crafting high-quality user experiences. You will work directly with product engineers to create and refine UI/UX components. Our ideal candidate has strong skills in frontend component design, a customer-driven mindset, and is able to tackle fast-paced engineering challenges. Salary ranges from £33,000 to £80,000, accompanied by stock options.