Bets Lead, AI Chat

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.

If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.

Asa New Bets Lead - AI Chat, you’ll be at the forefront of driving Cleo’s diversification strategy, leading the discovery of high-impact New Bets that redefine our product offering and expand our revenue streams. You will thrive in ambiguity, marrying imaginative creativity with sharp strategic thinking to generate and validate ideas that have the potential to shape Cleo’s future.

This isn’t just about process—it’s about envisioning what’s next. You’ll be a creative powerhouse and a catalyst for innovation, bringing bold, unconventional ideas to life and fostering a culture of experimentation. Success in this role is measured by the strength and originality of the concepts developed, as well as their potential impact on Cleo's customers and business. We’re especially looking for someone who lives and breathes consumer innovation: someone with a deep understanding of how to influence behaviour, who’s passionate about AI, and who’s constantly plugged into the latest in consumer product design, social apps, games, wellness tools, and everything in between.

• Developing deep understanding of user problems, the competitive landscape, and Cleo’s right to win in new spaces.
• Running ideation and brainstorming sessions to generate early-stage concepts that can diversify Cleo’s product offering.
• Engaging with internal and external experts to sharpen thinking and improve the quality of concepts.
• Collaborating with cross-functional partners (design, research, engineering, analytics, commercial) to shape and evolve ideas.
• Mapping key assumptions and coordinate scrappy testing plans with research and analytics to validate early-stage concepts.
• Building compelling, data-informed cases for why Cleo should invest in the concepts you’ve developed.
• Challenging conventional thinking and surface bold ideas aligned with Cleo’s mission and customer needs.
• Uncovering Opportunities:
  Partner with Research and Product Marketing to identify unmet needs, whitespace, and emerging trends.
• Developing and iterate on concepts with clear value propositions and a path to commercialisation.
• Drawing on the expertise of cross-functional teams to refine and strengthen ideas throughout the process.

• A proven track record of originating and developing breakthrough Consumer product ideas—especially those focused on behaviour, engagement, gamification, or virality
• Exceptional communication and storytelling skills to inspire and align stakeholders
• A mix of creative instinct and rigorous problem-solving to balance ambition with feasibility
• Deep experience in consumer-facing apps (B2C), especially those focused on behavioural outcomes or community experiences
• Curiosity and fluency in emerging technologies, particularly AI
• Familiarity with customer research, market analysis, and rapid validation methods

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. You can view our public progression framework and salary bandings here:
• Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT…