As Chief Financial Officer, you will serve as a strategic partner to the founders, shaping commercial strategy and capital allocation. This ExCo role oversees treasury, data insights, and investor relations during a period of rapid acceleration. You will drive rigorous financial thinking to transform Chip into a category-defining generational wealth business.
Chief Financial Officer at Chip Financial Ltd
Chip Financial Ltd is at an inflection point, evolving from the UK’s top savings app into the defining AI-powered digital wealth management platform. As CFO, you’ll take a seat on the Executive Committee and partner directly with the founders to architect the financial strategy for a business managing billions in customer assets. We are looking for a commercially wired leader who understands the intricate unit economics of consumer fintech and has the experience to navigate FCA-regulated environments. This is a rare, high-impact opportunity to lead treasury, data insights, and investor relations for a scaling business that is building something truly generational in the wealth management space.
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Location
London, United Kingdom
Compensation
£200k-£220k + Equity
Company
Chip Financial Ltd
Role overview
Financial Software
Chip Financial Ltd is a UK-based fintech company operating a mobile app that enables users to save and invest money. It offers savings accounts with competitive rates and prize draws, Stocks and Shares ISA, General Investment Account (GIA), and access to over 40 curated investment funds from major asset managers. Founded in 2016, it is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 911255, headquartered in London, and serves over 500,000 registered users with a team of approximately 150 people.
What you will do
- Partner with the CEO and founders on commercial strategy, end-to-end financial modeling, and scenario planning to optimize unit economics and cohort LTV.
- Own the treasury function managing billions in customer money, ensuring full CASS compliance and managing NIM dynamics and bank counterparty relationships.
- Lead the Data Insight team to translate complex customer behavior and product pricing data into actionable commercial decisions and forward-looking revenue models.
Who this is a fit for
- Proven experience as a CFO or FD in a VC-backed consumer fintech or retail investment platform with deep expertise in unit economics like CAC and LTV.
- Strong background in FCA-regulated environments, capable of holding an SMF designation and managing CASS-compliant client money or custody functions.
- Qualified accountant (ACA, ACCA, CIMA) with a heavy lean toward FP&A and forward-looking commercial leadership rather than purely historic statutory reporting.
Why this role is remarkable
- Take a seat on the Executive Committee and attend Board meetings, serving as a genuine architect of the company’s long-term commercial trajectory and capital allocation.
- Join one of the UK’s fastest-growing fintechs at an inflection point as it scales its AI-powered platform to manage billions in customer assets.
- Lead the transformation of digital wealth management, moving beyond traditional banking to create a holistic destination for savings, investments, and financial guidance.
How Jack & Jill work together
I get to know what you’re great at, then find roles you’d never find yourself.Ok, I'll go first. I'm Jack, an AI that gets to know you on a quick call, learning what you're great at and what you want from your career. Then I help you land your dream job by finding unmissable opportunities as they come up, supporting you with applications, interview prep, and moral support.
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If your profile’s a match and Chip Financial Ltd wants to meet, Jill will make the intro. In the meantime, Jack will send you excellent alternatives.