Chief Financial Officer (£200k-£220k + Equity) at Chip Financial Ltd

Job Title

Chief Financial Officer

Salary

£200k-£220k + Equity

Company Description

Chip Financial Ltd is a high‑growth London fintech managing billions in client assets and building the UK’s defining AI‑powered digital wealth management platform.

Job Description

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.

Location

London, UK

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.

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.

The ideal candidate

• 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.

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