From £50,000SeniorFull Time
The Opportunity
This is a senior individual contributor role at the technical heart of Chip's AI chapter. You will be a key technical contributor to our agentic AI systems, working closely with the Head of AI and the wider engineering team to design, build and scale the infrastructure that powers our customer-facing AI products.
You will have significant technical ownership — this is not a role for someone who wants to configure existing frameworks. We are looking for someone who can design novel solutions to hard problems and take them all the way to production.
What you can expect to be doing:
Architecture & Technical Design
Work closely with the Head of AI to contribute to and implement the technical architecture of Chip's multi-agent AI systems — from orchestration layer to inter-agent communication and context persistence
Design bespoke frameworks and tooling where off-the-shelf solutions fall short
Author and maintain architectural decision records (ADRs) and engineering standards for the AI chapter
Evaluate emerging techniques and approaches, adapting from research into production-ready implementations
Delivery & Implementation
Lead the hands-on implementation of AI systems alongside the team, maintaining deep technical involvement
Build production-grade systems: observable, reliable, and cost-efficient at scale across Chip's 400k+ user base
Define and implement testing and evaluation strategies for agentic systems — models-as-judge, synthetic data, human-in-the-loop processes and runtime safety / quality controls
Identify and implement “flywheels” and process that drive quality and performance through continuous iterative improvements
Own the integration of AI systems with Chip's existing infrastructure, including async patterns and SDK design
Technical Leadership
Set the technical bar for AI engineering at Chip — reviewing work, raising standards, and mentoring engineers
Work closely with the Head of AI on technical strategy and architectural direction
Partner with the AI Product Manager and wider engineering teams on technically complex initiatives
Contribute to Chip's company-wide AI engineering standards and governance
What we’re looking for:
Deep hands-on experience designing and building multi-agent AI systems in production — not just configuring existing frameworks
Proven ability to take AI systems from concept through to production with long-term ownership
Track record of solving hard technical problems: large context windows, hallucination mitigation, novel orchestration patterns
Experience building customer-facing AI systems in regulated, high-trust, or high-risk domains is a strong plus.
Experience building AI systems on AWS is strongly preferred, particularly using services such as Bedrock, SageMaker, ECS, and EventBridge.
Technical Depth
Expert-level understanding of agentic architectures: orchestration, inter-agent communication, state and context management
Strong experience with evaluation frameworks, retrieval systems, model behaviour analysis and production observability for AI systems
Comfortable working across the full stack — infrastructure, services, and AI layer — to ship end-to-end solutions
Stays current with the fast-moving AI landscape and is genuinely excited about being at the forefront of what's possible.
Ways of Working
High agency IC — owns problems end-to-end without waiting for direction
Comfortable in a small, fast-moving team where the scope of your impact is large and visible
Collaborative and generous with knowledge — raises the technical capability of those around you
Interested in the commercial and product context of the systems you build, not just the engineering
The Role in Context
You will report to the Head of AI and work alongside a small team of Backend Engineers in building and maintaining Chip’s AI Platform. You will also work closely with the product teams who are building customer-facing features on top of your platform, as well as stakeholders across the business on internal AI-driven opportunities.
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 🎁
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
Video interview with senior stakeholders
Final interview with CTO
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.
