Senior Product Engineer; Ruby | San Francisco

Overview

About Cleo:
At Cleo, we're not just building another fintech app. We're 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 profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year.

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, this might be your perfect fit. Follow us on Linked In to keep up to date with new product features and insights from the team.

Cleo is built as a Ruby on Rails monolith with a single React Native app frontend, utilising Type Script. We also leverage Python for machine learning services and Postgre

SQL for our database, all hosted on AWS. Our CI/CD pipeline is fully automated, with production deployments happening on every merge via Heroku. 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.

We emphasize quality: code is peer-reviewed and automated tests are maintained using Minitest and Circle

CI. We are moving toward a more modular architecture, aiming to separate concerns to achieve microservices benefits within a monolith, while progressively refactoring as we build new features. Everyone in the engineering team contributes to driving our technical strategy; voices and ideas from all levels are valued: we are all owners at Cleo.

• Joining a cross-functional product squad and collaborating with engineers, designers, analysts and other disciplines to develop features that enhance users' financial health.
• Providing technical insight in collaboration with senior peers, leading delivery to ship features.
• Mentoring colleagues and supporting their development.
• Working on our Ruby on Rails monolith, building data models, APIs and business logic services.
• Delivering work using agile methodologies and tools like tests, observability, AB-tests, and feature flags.
• Analyzing data from the database, application logs, and user research to identify problems and generate ideas.
• Supporting colleagues through in-hours support and optionally joining the compensated out-of-hours on-call rotation.
• Contributing to cross-cutting concerns that improve engineering efforts.
• Participating in product ideation, user research, design reviews, retrospectives, and other squad activities.

Examples of recent product feature work include building a secured credit card, launching new budget analysis features, and implementing pricing experiments for subscriptions.

You are passionate about making a positive difference in society by improving the financial health of our users. You align with our company values and engineering principles.

As this is a SE3-SE4 position, we’re looking for someone with at least 4 years of industry experience with Ruby on Rails. If it’s not quite that much, consider our standard Backend role.

A competitive compensation package (base + equity) with termly reviews, aligned to our OKR planning cycles. We’re a fast-growing company backed by Balderton & EQT Ventures, with a clear progression plan and flexible work arrangements. We operate a globally distributed team with hybrid/onsite options and travel support.

• Vacation and leave: 15 days annual leave + public holidays + 5 extra use-for-whatever days (+ an additional day per year at Cleo)
• 401k matching, medical/dental/vision coverage
• Generous parental leave and a 1-month paid sabbatical after 4 years
• Regular socials and activities, online and in-person
• OpenAI subscription coverage and online mental health support

EEO statement: 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.

• United States: $170,000 - $225,000 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 experience

By submitting this application, you confirm that all information is true to the best of your knowledge and that you have disclosed any applicable prior employment with Cleo AI. You consent to data processing under Cleo AI's Candidate Privacy Notice.