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 $200 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.

About The Role

We’re looking for a Paid Marketing Lead to own and scale paid acquisition for our Earned Wage Access product. In this hands-on growth marketing role you’ll lead paid marketing across search, social, affiliates, DSPs and emerging channels. You’ll manage a team of channel managers, set the frameworks for testing and optimisation, dive deep into data, and ensure we allocate spend to deliver best possible mCPA, incrementality and long-term value.

This role is critical for Cleo as we scale: you’ll drive how we acquire users, how we think about budget allocation, how we build measurement rigour, and how we embed a culture of constant learning and improvement.

Key Responsiblities

Manage the paid marketing function for the EWA product: leading channel strategy, managing and scaling budgets across Paid Search, Paid Social, Affiliates, DSPs and new/emerging channels.
Manage and develop the channel managers team, setting clear goals, frameworks, processes and ensuring high-quality execution across all channels.
Build, optimise and continuously improve frameworks for testing, creative optimisation, budget allocation and working with analytics on attribution, MMM (Marketing Mix Modelling) and incrementality testing.
Set the weekly/monthly performance rhythm: channel reviews, budget re-allocation meetings, experiment logs, performance deep-dives and senior stakeholder updates.
Dive into the data: you’ll work with SQL/BI tools, cohort analysis, to identify opportunities and decide what to prioritise.
Break down the full funnel for EWA to identify bottlenecks, ideate/prioritise high-impact tests, channels or creatives.
Ensure the team is hyper-focused on improving efficiency as we scale: reducing mCPA, increasing incremental value, balancing volume and value.
Support with measurement and attribution strategy: know how we measure paid marketing properly (hold-outs, experiments, incrementality, SKAN), and embed this into how the team works.
Create, nurture and embed a culture of best practice: you encourage the team to learn, network, understand what other companies are doing, bring new channel ideas, stay ahead of industry trends.
Support long-term strategy for paid channels: not just “what we do this quarter” but “what is the 12 month roadmap for channel mix, budget scaling, measurement maturity and creative/asset strategy”.

What We're Looking For

5+ years’ experience in performance/paid marketing roles, ideally in consumer tech/fintech/subscription business models.
Proven experience owning multi-channel paid marketing (search, social, affiliates, DSPs, and ideally new/emerging channels) and managing meaningful budgets (multi-million, preferably reaching eight-figure scale or comparable).
Deep working knowledge of attribution, incrementality testing, MMM, funnel analysis, cohort/LTV analysis and performance optimisation.
Comfortable operating at both strategic and operational levels, you can think big picture (channel strategy, budget mix, measurement frameworks) and roll your sleeves up (SQL queries, campaign set-up, detailed analysis).
Strong leadership experience: managing teams of channel leads/managers, setting frameworks, driving accountability, building capabilities.
Excellent communication and stakeholder management skills: able to present complex data/insights to senior leadership, influence budget decisions and align cross-functional teams.
A test-and-learn mindset: you lead by example in supporting the building of experiments, iterating, failing fast, scaling what works.
Analytical mindset + creative instinct: you understand the data deeply, but you also know that creatives, user insights, channel innovation matter.
Comfortable with ambiguity and scaling fast: you’ll be working in a high-velocity environment where priorities may shift and you’ll help define the playbook as we scale.
(Optional but highly desirable) Experience in fintech/EWA/financial services and a strong understanding of regulatory or user behaviour constraints in that space.
You are excited about Cleo’s mission to help people improve their financial lives, you want to drive measurable impact with your marketing.

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.
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 our TestFlight version of the app, so you can have a play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng

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