Product Manager - Investments & Pension (12 Months Mat Cover)
At Chip, our mission is to make our customers wealthier. An app to build your long-term wealth across savings, investments and pensions.
We usually respond within three days
We’re looking for a Product Manager who sweats the details, takes real ownership, and knows how to get things done. Someone who cares deeply about building great products in the investing and pensions space, and understands the responsibility that comes with it.
You’ll work within a squad focused on improving and evolving our execution-only investments and/or pensions experience, making it simpler, clearer, and more effective for customers. This is a hands-on role where progress matters: shaping ideas, working closely with engineers and designers, and seeing things through to delivery.
What you can expect to be doing:
Scope improvements and new features for the Execution-only Products in our Assets Collective
Collaborate with key stakeholders across the organisation, including operations, commercial, finance, marketing, and compliance to build a world-class platform
Work with the leadership team in your business line to understand the business strategy and product vision and build a roadmap accordingly
Work with an engineering squad to execute your roadmap by defining and building brand-new features from the ground up
Collaborate with the other PMs in the Assets Collective to ensure our users have end to end experiences that feel coordinated with the rest of the Chip app
Plan across complex internal and external dependencies with third-party providers to go from idea to successful implementation
Use data, market and industry knowledge to understand opportunities and shape and inform solutions
What we’re looking for:
You have a strong passion for Product: you have 2 years + of product experience
Experience working in a startup/ scaleup environment is a bonus
You are passionate about the wealth space: you keep up to date on what’s happening in the finance/ fintech space, and you have a big-picture understanding of the investments and pension market, what our competitors do, what works and what doesn't
You have strong UX skills and instincts: you have experience working on consumer-facing mobile-first products
You are an effective communicator: experience making decisions and communicating this to leadership and the team around you
You are data-driven: you care deeply about the numbers and use them to spot problems, and opportunities and shape solutions
You are commercially astute: you can understand how our business model works and you are always keeping revenue, costs and profit at the forefront of your mind.
You are truly excited by Chip’s vision and proposition
You understand and share our values
What we’re really looking for: ✍️
We’re looking for someone who’s genuinely excited about Chip and energised by the opportunity to help build the future of wealth, making saving, investing and pensions simpler and more accessible for everyone.
We work in a regulated space, so the bar is high. But we’ve built a team of smart, thoughtful people who care about doing great work and enjoy doing it together. Technical skills matter, obviously. But they’re not the only thing we hire for.
We want real people. People with interests, perspective and personality. The best teams are made up of individuals who bring different experiences into the room, not just polished CVs and good interview answers.
So alongside the technical side, we’ll be looking for empathy, self-awareness, sound judgement, resilience and a collaborative mindset. People who are good to work with, especially when things get hard.
⏰ Working Hours ⏰
Monday to Thursday: 9:00 AM – 6:00 PM
Friday: 8:00 AM – 4:00 PM (Start your weekend early!)
Enjoy a structured yet balanced workweek, with an early Friday finish to kickstart your weekend!
PERKS 🎁
£60,000 per annum
Discretionary Performance-Related Annual Bonus of up to 10% (Cash) and 5% (Shares) based on your gross annual salary.
Workplace pension scheme - We invest in your future with a workplace pension scheme, contributing 5% on earnings up to £50,000. Plan ahead with confidence while you grow your career! 🚀
Private medical insurance (medical history disregarded)
Employee Assistance Programme
Cycle to work scheme
Season ticket loan
Free ChipX subscription for UK-based employees
We are an equal-opportunity employer and value diversity
Flexible working arrangements
28 days holiday plus bank holidays, plus the days between Christmas and New Year ✈️
Annual training budget for courses, workshops, or conferences to help you advance your career.
£30 per month Chip Fitness Benefit to suit your Mental/Physical Wellbeing
Company laptop
Opportunity to have a huge impact on our product while fast-tracking your knowledge, responsibility and skills in a high-growth fintech startup 🚀
Our Interview Process: 📖
Video screen with someone from our Talent team
Video interview with the hiring manager
Product task
Final interview with SVP of Product and CPO
About Chip
What started in 2017 as an automated way to save has evolved into a fast-growing wealth platform helping over 500,000 people build and manage more than £5 billion of their money. Today, Chip brings together high-interest savings, investing, and pensions into one seamless experience, designed for real life, not spreadsheets.
We believe wealth shouldn’t be complicated, intimidating, or reserved for the few. So we’re rethinking how people engage with their money. Combining powerful technology with thoughtful design to make long-term financial growth feel effortless, intuitive, and even rewarding. Whether it’s setting money aside, investing for the future, or consolidating a pension, Chip is becoming the place people trust to take control of their financial lives.
And we’re just getting started. As we expand deeper into investments and pensions, we’re building a product that doesn’t just manage money, it actively works for our customers.
Our vision
To be the most personal digital wealth manager in the UK
Who we are
Chip has a creative and diverse team of 200, from all different backgrounds and industries. We’re driven and passionate people, but no one takes themselves too seriously.
Don’t just take our word for it. We have a few awards under our belt, including Best Personal Finance App at the 2022, 2024 & 2025 British Bank Awards.
Our Values
Be ACCOUNTABLE
Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible
Be BOLD
Share our Ambition and do your bit to achieve it, Innovate: challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers
Be COLLABORATIVE
Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together
Equal Opportunities
We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It’s talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.
Note to Agencies
Chip does not accept unsolicited CVs from recruiters or employment agencies in response to any of our live roles on our career page. Chip will not consider or agree to payment of any referral compensation or recruiter fee relating to these unsolicited CVs. Chip explicitly reserves the right to hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited CVs, including those submitted to hiring managers, are deemed to be the property of Chip.
- Department
- Product
- Role
- Product Manager
- Locations
- Shoreditch
- Remote status
- Hybrid
Shoreditch
Perks & Benefits
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🌴 28 Days of Holiday – Plus Public Holidays! ✈️
Take 28 days to unwind and recharge, plus all public holidays! We prioritise your work-life balance so you can enjoy life outside of work. 🌟
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💪 Chip Fitness Benefit – Your Wellbeing, Your Way! 🧠Fitness & Wellbeing 🏋️
Support your fitness and mental wellbeing with access to classes, programs, and personal goals. We've got you covered!
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🏠 Hybrid Working – Flexibility at Its Best! 💻
Work in the office 3 times a week, blending in-person collaboration with the comfort of home.
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🎓 Investing in Your Growth! 🌱
We support your development with an annual training budget for courses, workshops, or conferences to help you advance your career.
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Pension 💰
We invest in your future with a workplace pension scheme, contributing 5% on earnings up to £50,000. Plan ahead with confidence while you grow your career! 🚀
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💻 Company Laptop – Work Anytime, Anywhere! 🌍
Get a company laptop to stay productive on the go, wherever you are!
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🌍 Working Away Policy ✈️
Work from anywhere outside the UK for up to 90 days – take your job on the go!
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🚲 Cycle to Work Scheme – Ride in Style!
Enjoy the Cycle to Work Scheme and pedal your way to a healthier, greener commute.
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🎫 Season Ticket Loan 🚆
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💼 Employee Assistance Programme – We've Got Your Back! 🤗
Access confidential support for personal or work challenges, including mental health resources and practical advice. We've got your back! 🌱
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🩺 Private Healthcare with Bupa – Your Health, Our Priority! 🌱
Get comprehensive care with Vitality's private healthcare, where your medical history is disregarded, ensuring peace of mind whenever you need it.
Equal Opportunities
We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It’s talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.
About Chip
What is Chip?
Chip is your wealth app. It gives you one easy place for your savings and investments. So you can build, manage and grow your long term wealth.
Our mission and history
Our mission is to make our customers wealthy.
We're building the wealth super app of the future. An app to build your long-term wealth across savings, investments and pensions.
We use technology to break down barriers so users can invest like the ultra-wealthy, giving them one simple place to manage, grow and protect their wealth.
The Sunday Times listed Chip as the 6th fastest growing tech company in Britain… and we're not slowing down. Chip serves over 300,000 active customers and looks after over £6billion in assets. These customers trust us to build the most amazing product we can, so working at Chip comes with real purpose.
Chip is being built by a fast-growing team of designers, developers, customer service professionals, marketers, banking experts, and entrepreneurs. Our funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50m from 29,000 investors, over 9 years. Crowdfunding is in our DNA and only Brewdog has more investors than Chip.
Our vision
We know planning for your future can be a tedious, daunting task often avoided, so we want to change that.
We're building the wealth app for our community, giving them one place for saving and investing.
We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.
In practical terms this means adding more savings accounts and investment opportunities for Chip members to passively grow their wealth, combined with intelligent tools and intuitive features to make it easier for them to actively build up their wealth.
We’re all huge believers in making managing wealth more effortless, and as automated as possible. So everyone can feel empowered to focus on achieving the things that really matter to them.
Chip Financial Ltd (“Chip”) is registered in England and Wales, registration number: #10113174
Our registered office is: Sixth Floor, Fora Montacute Yards, 186 Shoreditch High Street, London, E1 6HU
Note that Chip is not a bank, meaning that we do not have physical branches, issue debit bank cards nor are you able to access your Chip money via ATMs. Chip does not provide financial advice and our services are only available via the Chip app.
Savings
Chip is a trading name of Chip Financial Ltd and is authorised by the Financial Conduct Authority under the Payment Services Regulation 2017 for the provision of payment services. Firm Reference Number 911255.
Only eligible deposits held in the Chip Savings Accounts (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. To find out more and to check your eligibility please visit: fscs.org.uk/about-us/. You are covered up to £85,000 per bank whether your deposits are made via Chip or not.
ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY.
Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS.
For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)
Investments
For our Investment Platform business, only Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under Firm Reference Number 1005114. Seccl Custody Limited acts as the custodian for the money held in a Stocks and Shares ISA or General Investment Account (GIA) with Chip. We use Seccl to provide the behind the scenes technology that powers our investment platform, and Seccl is responsible for holding your cash and investments.
In the unlikely event Seccl Custody Limited or Chip Financial (Investments) Ltd is declared to be in default and cannot meet our obligations, you may be able to claim compensation. If you are eligible, you could make a claim for up to £85,000 by the Financial Services Compensation Scheme (FSCS) under their Investment Scheme. It’s important to understand that the FSCS doesn’t cover you in the event that your investments go down and you get back less than what you put in. Further information is available from the FSCS website fscs.org.uk).
When investing your capital is at risk, and the value of your investments can go up as well as down and you may receive less than your original investment. Past performance is not a reliable indicator of future performance. Chip does not provide investment advice, and you as an individual investor should make your own decisions or seek professional independent advice.
Prize Savings Account (“PSA”)
T&Cs, eligibility criteria and minimum average balance of £100 applies. FSCS limits of £85,000 apply to eligible deposits. Prizes are not cash and are applied to your PSA as a bonus. Prizes become cash once you withdraw your entire PSA balance into your linked bank account. Prizes are not eligible for FSCS protection. This account does not offer interest. For current prize values, entry and eligibility criteria and how to opt-out see: getchip.uk/legal/prize-savings-account-terms.
You can opt out of any or all prize draws at any time by contacting our Customer Success team via our in-app chat, or emailing support on hello@getchip.uk. If you have opted out, you can opt back in at any time via the same channels. You acknowledge that if you opt out, you will no longer be eligible for entry into prize draws.
The PSA and prize draws are offered and managed by Chip. ClearBank is responsible for only the provision of the account and holding your funds which are FSCS protected (subject to eligibility) You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY.
Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS.
For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)
Chip Cash ISA
Your Chip Cash ISA is a cash ISA provided by ClearBank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 754568. ClearBank Limited is approved by His Majesty’s Revenue and Customers (“HMRC”) for the purposes of the Individual Savings Accounts Regulations 1998 as an ISA manager. ClearBank Limited is registered in England and Wales under company number 09736376 with registered office: ClearBank, Borough Yards, 13 Dirty Lane, London, SE1 9PA. You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY.
Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS.
For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)