Senior Product Engineer (Ruby) | New York

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.

What you’ll be doing

• Joining a cross-functional product squad and collaborating with a mix of engineers, designers, analysts and other disciplines to develop features that enhance our users' financial health.
• Collaborating with other senior peers in your squad and pillar to provide technical insight into upcoming work, and leading the delivery by helping pull everyone together to get it shipped.
• Mentoring colleagues to help them grow as engineers and actively supporting their development.
• Working on our Ruby on Rails monolith, building data models, APIs, and business logic services.
• Delivering your work using agile methodologies and tools like tests, observability, AB-tests, and feature flags.
• Analyzing data to identify problems and generate new ideas, using various sources such as our database, application logs, and user research data.
• Supporting colleagues through in-hours support and optionally joining the compensated out-of-hours on-call rotation.
• Contributing to cross-cutting concerns that improve our engineering efforts.
• Taking part in shaping the work of your squad beyond technical aspects, participating in product ideation, user research, design reviews, retrospectives, and more.

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

• Building a secured credit card
• Launching new budget analysis features
• implementing pricing experiments for subscriptions

Want to hear more from our engineers? Check out Magda's blog post.

About You

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, which drive our ways of working and software delivery.

As this is a SE3-SE4 position we’re looking for someone who has at least 4 years industry experience of using Ruby on Rails. If it’s not quite that much, maybe you want to look at our standard Backend role.

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 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.

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 of your hard work?

• A competitive compensation package (base + equity) with termly (3 annual) reviews, aligned to our 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 the Bay Area 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 SF, 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
• 15 days annual leave a year + public holidays + 5 extra use-for-whatever days (+ an additional day for every year you spend at Cleo)
• 401k matching
• Medical Insurance, Dental and Vision care
• Generous 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
• And many more!

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.

Compensation range

• 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 previous experience

Application Confirmation

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.