Cleo Tech Stack

AI-powered personal finance platform with chat and credit products

Financial Services London, England 201–500 employees Founded 2016 Privately Held

Cleo is a consumer fintech built on Ruby on Rails + React Native + Python, now adopting Terraform and ChatGPT while managing a complex payments and transaction data infrastructure (PostgreSQL, Redis, Heroku, AWS). Hiring is accelerating across engineering, product, and marketing—with heavy senior-level recruitment—suggesting active expansion into credit products and geographic scaling. The project mix (modern credit cards, transaction enrichment engine, chat ML workstream) reveals a pivot from pure advisory toward lending and transaction optimization.

Tech Stack 51 technologies

Core StackRuby on Rails React Native TypeScript Python PostgreSQL AWS Heroku Ruby Kubernetes OpenAI Anthropic Redis Terraform CircleCI AWS RDS React Jira Facebook Messenger Meta TikTok Google GCP SHAP SQL AppLovin Instagram AWS EKS Hibob Excel Kandji+20 more

AdoptingTerraform ChatGPT

What Cleo Is Building

◆Challenges

Improving conversion and retention
Scaling paid acquisition
Improving payback and ltv
Balancing growth velocity with capital efficiency
Scaling platform for transaction data
Optimising transactions within our payments platform
Expanding into new geographies
Improving financial health of users
Launching modern credit products
Transforming messy transaction data

▲Active Projects

Discovery and experimentation roadmap
Chatbot for financial health coaching
Launch modern credit products
Building a secured credit card
Analytics and experimentation for chat pillar
Chat feature ml workstream
Optimising transactions within payments platform
Qa processes and documentation
Cleo 3.0
Transaction enrichment engine

Hiring Activity

Accelerating270 roles · 160 in 30d

Department

Engineering

Product

Marketing

Data

Design

Finance

Ops

Seniority

Senior

119

Mid

Lead

Manager

Director

Principal

Junior

Notable leadership hires: Growth Lead, Organic Growth Head, Art Director, Tech Lead

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About Cleo

Cleo provides an AI-powered personal finance assistant that combines chat-based financial coaching with emerging credit products. The platform targets consumer users in the UK and is expanding to Poland, Portugal, the US, Italy, and Germany. Founded in 2016 and grown to 201–500 employees, Cleo operates a dual-layer stack: a mobile-first experience (React Native, Facebook Messenger integration) backed by a data-intensive server (Rails, PostgreSQL, transaction enrichment). Active development centers on a secured credit card launch, real-time transaction optimization, and chat-driven ML features—addressing user retention and financial health outcomes alongside growth metrics.

HeadquartersLondon, England

Company Size201–500 employees

Founded2016

Hiring MarketsUnited Kingdom, Poland, Portugal, United States, Italy, Germany

Frequently Asked Questions

What tech stack does Cleo use?

Ruby on Rails, React Native, TypeScript, Python, PostgreSQL, Redis, AWS, Kubernetes, Heroku, and integrations with OpenAI, Anthropic, and Meta platforms. Now adopting Terraform for infrastructure.

What is Cleo working on?

Launching modern credit products including a secured credit card, building a transaction enrichment engine, scaling a financial health coaching chatbot, and optimizing the payments platform. Also developing Cleo 3.0 and expanding analytics for chat features.