MARGO
SME-focused bank offering credit management tools
AI Engineer - GenAI & LLM
About the job
- A Bac+5 education from an engineering school or university with a specialization in artificial intelligence or computer science.
- Expert proficiency in Python.
- Demonstrated experience with generative AI frameworks such as LangChain, LlamaIndex, Haystack, and AutoGen.
- Knowledge of vector databases such as Pinecone, Weaviate, Qdrant, and Milvus.
- Familiarity with Docker, Kubernetes, and model-monitoring tools such as LangSmith, MLflow, and Arize.
- Prior participation in deploying large language model-based solutions to production, beyond proof-of-concept work.
- Ability to explain complex concepts to non-technical stakeholders.
- Methodological rigor and a software craftsmanship mindset.
- Design and develop agentic artificial intelligence architectures capable of autonomous reasoning and execution of complex tasks.
- Orchestrate multi-agent systems for cross-functional business use cases.
- Select and fine-tune the most suitable open-source or proprietary models based on performance and cost.
- Implement robust retrieval-augmented generation pipelines to connect large language models to enterprise data.
- Manage vector indexing and optimize semantic search using vector databases.
- Develop application programming interfaces and integrate artificial intelligence components into the existing application ecosystem.
- Deploy solutions to production in constrained environments requiring security and scalability.
- Monitor large language model-based solutions, including guardrails, response quality, hallucinations, relevance, latency, and costs.
- Implement continuous integration and continuous delivery chains and continuous model-evaluation pipelines.
- Conduct active technology monitoring of the generative artificial intelligence ecosystem, including new papers, frameworks, and models.
- Support business stakeholders in assessing the feasibility and relevance of generative artificial intelligence use cases.
- Contribute to knowledge sharing and best-practice documentation within the technology community.
- Interest in demanding environments where quality is prioritized over quantity.
About the company
MARGO is a banking partner for small and medium-sized businesses. It provides loans and tools to manage company cash flow. How it works: SMEs access credit options and a digital cash-management platform to handle payments, receipts, and liquidity. The bank focuses on helping leaders grow by offering financing and treasury tools that fit small and mid-sized operations. How it stands out: It is an independent bank dedicated to SMEs, offering tailored financing and cash-management services rather than broad services for all customers, which helps smaller companies manage money more effectively. Goal: To help SME leaders grow their businesses by providing affordable credit and practical cash-management tools.
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
Philadelphia, Pennsylvania
Founded
2015
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Simplify's Take
What believers are saying
- Memo Bank reported 70% NBI growth in 2025 and profitability in Q1 2026.
- It served 800 clients and processed 4 billion euros monthly flows in T1 2026.
- Google cloud and AI adoption, plus MCP connectors, strengthen product stickiness in 2026.
What critics are saying
- Qonto and Revolut Business undercut pricing, compressing Memo Bank's premium SME sales by 2026.
- Memo Bank's strict SME-only eligibility excludes freelancers and TPEs, limiting market size.
- If profitability slips after Q1 2026, its capital-intensive banking model becomes existentially exposed.
What makes MARGO unique
- Memo Bank is France's first independent bank launched since 1970, with ACPR and BCE approval.
- It serves established SMEs and ETIs, not freelancers, with direct credit and cash management.
- Its API-driven model handles 64% of flows through API, unlike typical payment platforms.
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Benefits
Hybrid Work Options
Remote Work Options
Paid Vacation
Flexible Work Hours
Health Insurance
401(k) Retirement Plan
Stock Options
Wellness Program
Mental Health Support
Conference Attendance Budget
Professional Development Budget
Phone/Internet Stipend
Home Office Stipend
Family Planning Benefits
Fertility Treatment Support
Adoption Assistance
Growth & Insights and Company News
6 month growth
↑ 3%1 year growth
↑ 3%2 year growth
↑ 3%During her time at the Tap and Spile, Margo has won an outstanding seven CAMRA (Campaign for Real Ale) awards for Northumberland Pub of the Year.
Margo decided to attend its Talking in Class program.