Cleo runs a conversational AI money assistant on a Ruby on Rails and React Native core, calling both OpenAI and Anthropic models with SHAP for model explainability. Hiring is accelerating and weighted toward engineering, data and finance, with job posts flagging public-company readiness, credit risk monitoring and a scaling monolith, which points to a company maturing its controls ahead of a possible IPO while expanding into credit products.
Notable leadership hires: InfoSec Director
Cleo is a London-headquartered, privately held fintech founded in 2016 that builds an AI-powered personal finance assistant for consumers. The product combines budgeting, financial insights and conversational guidance, and job posts point to credit offerings such as a secured credit card. The company employs 201–500 people and is hiring across the United Kingdom, the United States and the Netherlands. Its platform runs on AWS and GCP, with distribution through the Apple App Store and lifecycle messaging via Braze, Customer.io and Iterable.
Cleo builds on Ruby on Rails, React Native, TypeScript and Python, with PostgreSQL, Redis, Kubernetes on AWS EKS, Terraform and CircleCI. Its AI layer uses OpenAI and Anthropic models, plus SHAP for explainability.
Yes. Cleo's hiring is accelerating, led by engineering, data and finance roles, with a strong tilt toward lead and senior levels and an InfoSec Director opening. Hiring spans the UK, US and Netherlands.
Job posts point to a secured credit card, budgeting and financial insight features, a risk metric framework, treasury automation and FX strategy, and subscription and pricing experiments.
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Cleo's technology stack, projects, and hiring signals are inferred from public hiring and company data — career pages, public listings, and company web presence — then clustered and de-duplicated. Figures are estimates that refresh over time. Read our full methodology →
This is not an official vendor or customer list. It is a technology-adoption signal inferred from public data, intended for B2B research.
