FP&A Manager

We’re looking for a commercially astute and analytically exceptional FP&A Manager to help drive Chip’s financial planning and performance insight, with a particular focus on revenue forecasting, product unit economics and scenario modelling.

You’ll play a central role in the day-to-day running and continuous development of our financial models, ensuring forecasts are accurate, data-driven, and aligned with business priorities. Working closely with the Head of FP&A and SVP Finance, you’ll partner with Product, Growth, and Data teams to translate business performance into meaningful financial outputs and insights.

This is a hands-on role in a fast-moving fintech, ideal for someone who enjoys building models, solving complex commercial problems, and connecting financial performance to strategic decisions. It would suit someone from either an FP&A, commercial finance, or investment banking / corporate finance background who’s passionate about using modelling to influence real business outcomes.

What you can expect to be doing:

• Lead the day-to-day operation, maintenance and development of Chip’s core financial models, including revenue and three-statement forecasting.
• Support the Head of FP&A in delivering the annual budget and quarterly forecasts, ensuring outputs are accurate, timely and insight-driven.
• Collaborate with the SVP Finance, Product, Growth and Data teams to ensure financial forecasts are grounded in real operational drivers and user behaviours.
• Deliver high-quality monthly performance reporting and analysis for senior leadership, highlighting key trends, risks, and opportunities.
• Conduct scenario and sensitivity analysis to support strategic, regulatory, and commercial decision-making.
• Act as a trusted finance partner , providing clear, data-led insights that help shape product, pricing, and growth strategies.
• Assist with regulatory capital modelling and ICARA , maintaining clear documentation and ensuring revenue assumptions align with capital planning.
• Support fundraising and investor processes , contributing to financial models, scenario analysis, and due diligence materials.
• Develop and automate tools and dashboards to improve visibility of performance across finance and the wider business.
• Drive continuous improvement in forecasting accuracy, modelling efficiency, and financial planning processes.

What we’re looking for:

• Proven background in a FinTech, Retail or Business Bank - or from an Investment Banking, Corporate Finance or Private Equity modelling role with exposure to financial forecasting.
• Strong understanding of products across savings, investments and wealth management.
• Experience working with cohort models , customer behaviour and product-level unit economics.
• Proven experience working in an FP&A, commercial finance or financial modelling role with exposure to forecasting, budgeting and scenario analysis.
• Experience working closely with Data teams to align financial models with user metrics and operational inputs.
• Advanced Excel and VBA skills (must-have) ; experience building or improving complex, driver-based models; comfortable working with large and imperfect data sets.
• Excellent attention to detail , with the ability to take ownership of tasks from end to end.
• Strong analytical and problem-solving skills, with the ability to link financial results to business drivers.
• Confident communicator, able to translate financial insights for non-financial stakeholders and influence decision-making.
• At least 3 years industry experience post qualification (ACA, ACCA, CIMA, CFA or equivalent) or equivalent experience in financial modelling, investment banking or corporate finance.

Nice to have:

• Familiarity with behavioural finance, user behaviour analytics , or growth funnel dynamics
• Experience with visualisation tools such as PowerBI or similar (e.g. Looker, Tableau)
• Experience with regulatory capital or liquidity requirements (ICARA / MIFIDPRU exposure advantageous)

What we’re really looking for: ✍️

Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future.

Although we’re in the financial space, and under the scrutiny that comes with it, the current finance team works well together, and even sometimes with a smile. We’re sure you’ve got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.

We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn’t matter to us.

At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.

⏰ 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 🎁

• Discretionary Performance-Related Bi-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: 📖

1. Video screen with someone from our Talent team
2. Video interview with the hiring manager
3. Case study presentation to team
4. Final interview with CEO

 

About Chip

Chip’s mission is to make your life 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 400,000 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

To be the most personal digital wealth manager in the UK

Who we are

Chip has a creative and diverse team of 180, 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.