Wayfindi

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 looking for a Mid Level Backend Engineer (Node.js) in London to work closely with the CTO and tackle backend infrastructure challenges. The ideal candidate will have at least 2 years of experience, be passionate about building innovative financial solutions, and thrive in a high-performance team. Responsibilities include contributing to the development of new features and data processing optimizations. This is an on-site role with a focus on teamwork and autonomy.

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

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. 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. They train, deploy, and improve machine learning models in production, ensuring they deliver meaningful impact for our users. We're looking for our next Lead Machine Learning Engineer to join our Chat Evaluations team. You'll shape & guide technical work within a team of adaptable, creative and product-focused engineers, who deliver ML/AI features that improve the observability of chatbot quality and power the AI development cycle. 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: Deployed best-in-class credit decisioning models which affect millions of customers, using open banking data rather than traditional credit scoring Developed models to interpret transactional data, enhancing the understanding of users' finances. Think about your bank statement-how often do you not recognise a transaction on first review? Fed user interaction data into fine-tuned LLMs and contextual ranking models, so Cleo knows how to start and continue an engaging conversation. Developed optimisation models to improve payment success rates for customers while minimising business costs, tackling this as a two-sided optimisation challenge. Designed and implemented AI agents to analyse and extract insights from users' transactional data. Experience deploying multiple machine learning models into production 5+ years of experience in data science, machine learning engineering, or related roles Experience integrating and evaluating LLMs Excellent knowledge of both Data Science (Python, SQL) and production tools Understanding of probability and statistics fundamentals Strong ability to communicate findings to non-technical stakeholders Experience of leading projects involving multiple people including developing a short term roadmap and reporting progress Comfortable breaking down work incrementally Nice to have Familiarity with Docker containers and container orchestration tools Experience with LLM-as-a-judge and/or annotation pipelines The recruitment process Talent Screen with a Talent Partner(30 mins) Interview with the Hiring Manager (30 mins) Python coding Interview (45 mins) White-boarding session (60 mins) Technical Discussion (45 mins) What do you get for all your hard work? A competitive compensation package (base + equity) with 3-yearly reviews, aligned to our termly 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 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! 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. Download the Test Flight App access for people in the UK & Europe: If you are an iOS user, please use this link to sign up to our TestFlight version of the app, so you can have a play around with the functionality and features: 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

As Head of Fraud, you'll lead Cleo's fraud strategy across our business, with a primary focus on the US that will increase in scope as we launch in new geographies. You'll be the senior voice on fraud across the company: setting direction, owning execution, and serving as the figurehead for everything fraud-related across debit, credit, identity, and operational risk. This is a hands on, first line of defense role. You'll bring the experience and judgement to make confident decisions on US card regulations, KYC requirements, and the regulatory nuances that matter at scale-and you'll be deep in the detail, working closely with Credit, Product, Engineering, and Operations to shape how fraud risk is measured, managed, and reduced day to day. Key Responsibilities Lead Cleo's fraud strategy across all three vectors: transaction fraud (debit and credit), identity fraud (ATO, synthetic identities, KYC), and operational fraud (chargeback management, dispute investigation) Set the long term direction for fraud at Cleo, shaping how we detect, prevent, and respond to risk as we scale across markets Define and own the shared frameworks that sit between fraud and credit - clear definitions, boundary conditions, and a single source of truth for how we measure fraud and dispute outcomes Own the analytical case behind fraud guardrails and thresholds - quantifying loss exposure, justifying targets in basis points, and articulating the trade offs between fraud loss, decline rates, and customer experience Lead investigations and post incident analysis - pulling apart what worked, what didn't, and what we change as a result Lead vendor evaluation and selection for fraud detection and KYC tools - you'll know the market and have strong views on what works Own chargeback processes and fraud investigation workflows, ensuring our operational fraud function is tight, scalable, and fit for the next phase of growth Quantify the impact of fraud controls across the full cost stack: fraud loss, decline rate, customer service load, and customer friction - and use that to make informed buy vs build and policy decisions Ensure compliance with US card regulations, BSA/AML requirements, and FCA expectations as the UK market comes into scope Report fraud performance and risk posture to senior leadership; contribute to board level risk conversations What We're Looking For Must Haves: First line of defense fraud experience - you've done the thing, not just overseen it Experience across both debit and credit transaction fraud Identity fraud expertise: ATO, synthetic identities, KYC platform management Operational fraud experience: chargeback investigation and management Strong analytical and quantitative skills - comfortable defending a guardrail or threshold with data, not just intuition Track record of working closely with credit risk teams and aligning on shared metrics, definitions, and trade offs US market fraud experience - familiar with US card regulations, CFPB, and the regulatory differences vs. UK Background in fintech with lending or credit products (not just pure payments) Vendor evaluation experience - you know the fraud tooling landscape and can make strong buy vs. build decisions Track record of shaping fraud strategy and frameworks at scale Senior gravitas and consensus building ability - you can align product, ops, credit, and compliance teams 10+ years in fraud or financial crime Nice to Have UK fraud and FCA regulatory knowledge Disputes and chargeback management experience in a card oriented business What do you get for all your hard work? A competitive compensation package (base + equity) with 3 yearly reviews, aligned to our termly OKR planning cycles The salary bandings for this role are: US Remote: $200,000 - $300,000, 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 Benefits may vary based on location - the below are in the UK: 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! Compensation range United States: $200,000 - $300,000 gross annually Other locations: Compensation will be discussed during the interview process Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

Wayfindi is searching for a Head of Fraud to oversee the fraud strategy across our operations, initially focusing on the US market. The ideal candidate will possess extensive experience in transaction and identity fraud, alongside a firm grasp of KYC regulations. With a competitive salary range of $200,000 - $300,000, this role demands senior-level judgment and analytical acumen. Additional benefits include generous annual leave, private medical insurance, and a supportive work culture emphasizing flexible arrangements and personal development.

A leading fintech company in the United Kingdom is seeking a Lead Machine Learning Engineer to join their Chat Evaluations team. You will shape the technical work that enhances chatbot quality through innovative ML/AI features. The ideal candidate will have a robust 5+ years in machine learning and data science, particularly in deploying models and working with LLMs. Benefits include a competitive compensation package, flexible work arrangements, and comprehensive employee perks. Join us in revolutionizing financial health worldwide.

(Senior) Machine Learning Engineer - Growth (Personalisation or Marketing) Office: United Kingdom Remote: UK 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 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. Check out this blog on Isabelle's journey in ML at Cleo. What you'll be doing You'll be joining the Machine Learning Growth domain. We're currently hiring across different Growth verticals, such as Growth Marketing and Growth Personalisation. Depending on the team, you will work across different domains. Within Growth Marketing, you can expect to develop MMM and/or LTV models; in Growth Personalisation, you will work on recommender systems and/or behavioural modelling. 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. 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: Building AI Agents to explore and derive insights from users transactional data 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 Experience in Growth, either Marketing (MMM and/or LTV models) or Personalisation (Recommender systems and/or behaviour modelling) 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 Advanced Degree in a quantitative discipline or equivalent commercial experience 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 The recruitment process Interview with a Recruiter (30 mins) Interview with the Hiring Manager (30 mins) Python Coding Interview (45 mins) White boarding session (60 mins) Technical Discussion (45 mins) What do you get for all your hard work? A competitive compensation package (base + equity) with termly reviews, aligned to our quarterly 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.

Senior/Lead Data Scientist (Credit Risk) Office: United Kingdom Remote: UK Apply for this role 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. Follow us on LinkedIn to keep up to date with new product features and insights from the team. The role We're looking for a Lead/Senior Data Scientist to help us measure, monitor, and improve the performance of Cleo's credit products. This is a level 3 or 4 Analytics role. This is a hands on data science and analytics role. You'll be analysing behaviour across millions of US users, using rich transactional and behavioural data that powers Cleo's AI money coach and credit products. You'll spend the majority of your time in SQL and Python, working directly from Cleo's data warehouse to understand, explain, and improve credit performance. This is not a traditional underwriting or policy role. You'll be the analytics owner for a specific product, with direct line of sight to losses, revenue, and product roadmap. You'll work closely with other analysts, Risk Modellers, Product Managers, and Engineers to diagnose portfolio trends, build monitoring frameworks, and deliver insights that inform how Cleo manages and optimises risk. You'll sit within the Risk & Payments pillar, working at the intersection of data, decisioning, and product, helping us build scalable systems that balance user access with sustainable economics. You'll be part of a growing team responsible for driving profitable growth while protecting the business from loss, using data to understand repayment behaviour, model performance, and system level trade offs. This is an opportunity to shape how we quantify and manage risk as we expand across new credit products and geographies. What You'll Be Doing 1. Credit & Risk Performance Analytics Write complex SQL/python to pull cohort and event level datasets from our warehouse and turn them into clear, decision ready analyses. Quantify the commercial impact of performance changes (losses, yield, approval rate) Design and analyse multivariate experiments on underwriting, pricing, or repayment flows, and translate results into actionable risk strategies Analyse arrears, default, and yield trends across Cleo's credit products. Identify emerging risks and shifts in eligibility or repayment behaviour using cohort and segmentation analysis. Build and maintain dashboards for portfolio health and performance tracking. Design early warning alerts for anomalies in arrears or model driven decisioning. 2. Model Understanding & Monitoring Partner with the Risk Modelling team to turn model health metrics (AUC, PSI, calibration, feature drift) into clear recommendations for policy or product changes. Monitor model stability and support investigations into concept drift and feature degradation. Quantify the impact of model changes and assess whether observed shifts are model or market driven. 3. Deep Dive Investigations Conduct root cause analysis on performance deteriorations (e.g., arrears spikes, yield compression). Own investigations from question analysis recommendation, and present your work to Risk, Product, and Leadership. Use decomposition, SHAP analysis, and driver frameworks to explain variance in loss and yield. Support the design and measurement of A/B tests or pilot changes in credit decisioning or repayment operations. 4. Forecasting & Scenario Support Partner with Finance and Commercial teams to support variance analysis and monthly forecast inputs. Model how shifts in repayment or eligibility rates flow through to portfolio loss and profitability. 5. Tooling, Frameworks & Collaboration Work with Analytics Engineering to improve risk data pipelines and metric definitions. Build reusable analysis templates and frameworks for monitoring across multiple credit products. Communicate insights clearly to non technical stakeholders, transforming complex findings into actionable decisions. About You Experience & Skills 4+ years analytics or data science experience in a risk focused role, ideally within fintech, lending, or payments Excellent SQL skills Fluency in Python (or R) for data analysis, modelling, and statistical testing Experience conducting large scale A/B experiments and interpreting results to drive product and business decisions Fluent in credit portfolio metrics - e.g. arrears buckets, roll rates, loss rate, yield/marginal loss - and how they tie to unit economics and P&L Hands on experience working with predictive models (e.g. credit, fraud, marketing), including interpreting metrics like AUC/Gini, calibration, PSI/CSI, drift Hands on experience with BI tools (e.g. Looker, Mode, Tableau) and data workflow tools (dbt, Airflow) Strong analytical rigour and the ability to translate findings into clear business recommendations Track record of taking analyses all the way through to shipped changes and measurable impact Nice to Have Exposure to credit risk or payments decisioning (eligibility, pricing, loss modelling, or fraud detection). Experience with model monitoring, feature engineering, or supporting ML deployment. Familiarity with US and/or UK consumer credit or payments regulations. 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 (Can differ based on geographical location): 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 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.

Responsibilities Your focus will be on our mobile and web apps! We have an intense roadmap ahead, which includes a plethora of new features and integrations, which you will be part of. Tech Stack Languages: TypeScript, Javascript Libraries and frameworks: gRPC, Redux, React Native, React, Next.js Datastores: Vitess, MySQL, CockroachDB, BigQuery, Redis Infrastructure: Google Cloud Platform, Kubernetes, Docker, PubSub, Terraform Monitoring: Grafana, Prometheus, Sentry, Metabase Qualifications You are a frontend developer with at least 5 years' experience You are fast and love to deliver incredible code You can reduce complex problems to simple solutions You want to be part of an amazing team You are excited by what we're building at Emma You know how to deliver an incredible experience for mobile apps Bonus You previously worked for a fintech app Benefits Stock Options available Private Medical Insurance and Perks with Vitality Pension Contribution Employee Referral Scheme Emma Ultimate Subscription MacBook and Cursor AI Cycle to Work Scheme One-month sabbatical every 5 years Regular Socials

Wayfindi is seeking an experienced Frontend Developer in Greater London to focus on developing mobile and web applications. The ideal candidate will have at least 5 years' experience, a passion for delivering high-quality code, and the ability to simplify complex problems. The role offers various benefits, including stock options, private medical insurance, and a cycle-to-work scheme, providing an exciting chance to contribute to an innovative team.

Wayfindi is seeking a talented full-stack engineer to join their London team. This role involves working on both backend and mobile/web applications, with a focus on delivering innovative features and integrations. Ideal candidates will have at least 5 years of experience, a passion for swift coding, and strong problem-solving abilities. Benefits include private medical insurance, a MacBook, and sabbaticals. Note: This is an office-based role, not hybrid.

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 focus both on our backend and mobile/web apps! We have an intense roadmap ahead, which includes a plethora of new features and integrations, which you will be part of. Libraries and frameworks: gRPC, Redux, React Native, React, Next.js About you: You are a full-stack engineer with at least 5 years' experience. You are fast and love to deliver incredible code. You can reduce complex problems to simple solutions. You want to be part of an amazing team. You are excited by what we're building at Emma. Our process: Take-home coding test Phone call with our internal recruiter 2nd call with CTO Onsite interview with CEO & CTO Benefits: Private Medical Insurance and Perks with Vitality MacBook and Cursor AI One-month sabbatical every 5 years 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.

Wayfindi is seeking a Mid Level Frontend Engineer (React/React Native) in London to join an innovative team focusing on mobile and web applications. The role emphasizes delivering high-quality code and solving complex challenges. Candidates should have at least 2 years of frontend development experience and a passion for fintech. This position is not hybrid, requiring full-time in-office work. Benefits include stock options, private medical insurance, and a cycle-to-work scheme.

Mid Level Frontend Engineer (React/React Native) 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: Your focus will be on our mobile and web apps! We have an intense roadmap ahead, which includes a plethora of new features and integrations, which you will be part of. Tech stack Languages: TypeScript, Javascript Libraries and frameworks: gRPC, Redux, React Native, React, Next.js Datastores: Vitess, MySQL, CockroachDB, BigQuery, Redis Infrastructure: Google Cloud Platform, Kubernetes, Docker, PubSub, Terraform Monitoring: Grafana, Prometheus, Sentry, Metabase About you You are a frontend developer with at least 2 years' experience. You are fast and love to deliver incredible code. You can reduce complex problems to simple solutions. You want to be part of an amazing team. You are excited by what we are building at Emma. Bonus Previous experience working for a fintech app. Experience delivering an incredible experience for mobile apps. Our process Take home coding test Phone call with our internal recruiter 2nd call with CTO Onsite interview with CEO & CTO Benefits Stock Options available Private Medical Insurance and Perks with Vitality Pension Contribution Employee Referral SchemeEmma Ultimate Subscription MacBook and Cursor AI 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.