New Bets Lead, AI Chat Office: United Kingdom

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.

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.

Key Responsibilities

• 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.

What We're Looking For

• 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

What do you get for all your hard work?

• 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 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 London 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 London, 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 6 months
• Generous pay increases for high-performing team members
• Equity top-ups for team members getting promoted
• 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
• 6% employer-matched pension in the UK
• Private Medical Insurance via Vitality, dental cover, and life assurance
• Enhanced 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
• Workplace Nursery Scheme
• And many more!

Welcoming Everyone

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.

If there's anything we can do to accommodate your specific situation, please let us know.

Download the Test Flight

App access for people in the UK & Europe:If you are an iOS user, please use this link to sign up to ourTestFlightversion of the app, so you can have a play around with the functionality and features:

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

By submitting this application, I agree that my personal data will be collected, processed, and retained by the company solely for the purposes of managing and assessing my candidacy.