The posting
Chip is building the UK's most personal digital wealth manager. Achieving that means building the most personalised lifecycle experience possible: communications that meet customers at the right moment across onboarding, activation, balance growth and cross-sell. Alongside this sits a parallel obligation: maintaining Chip's standing with the FCA and other regulatory bodies.
We see lifecycle engagement as one of Chip's key growth levers. The CRM team is structured around two paths: the Growth Path, covering lifecycle and growth marketing communications, and the Reactive Path, covering incident and service communications. This role is accountable for strategy on the Growth Path, across a set of products and customer journeys.
You'll run experiments quickly, learn from them, and iterate at pace. You'll also protect the experience customers expect from Chip: considered, high quality and service-led, with every message earning its place in someone's inbox or app. You'll work closely with Product, Data, Compliance and the CRM Build team, and report to the Head of CRM.
What you can expect to be doing:
Growth strategy and experimentation
- Turn business objectives into lifecycle strategies across acquisition, activation, cross-sell and retention
- Frame initiatives as testable hypotheses with clear success metrics and decision points
- Design and run experiments at pace, read results honestly, and decide whether to scale, iterate or stop
- Build a continuous optimisation rhythm so each test informs the next
- Define the audience logic behind every campaign: who enters, when, on which trigger, and when they exit
- Design segmentation that reflects customer behaviour, product holdings and lifecycle stage, and stress-test it for edge cases before launch
Prioritisation and delivery
- Manage a pipeline of competing priorities, deciding what matters most and making the trade-offs visible to stakeholders
- Plan campaigns end to end, from brief to launch to results, keeping timelines realistic for you, the build team and partners
- Write clear, complete briefs so the build team can execute accurately the first time
Customer experience and craft
- Shape messaging that reads well, looks good and reflects Chip's brand across email, push, in-app and content cards
- Balance commercial goals with a sophisticated, service-led customer experience
- Partner with Compliance to keep communications within FCA financial promotion rules and Consumer Duty
Insight and sharing
- Analyse campaign and cohort performance, and turn findings into clear recommendations
- Document what you've learned so the wider team can build on it
What we’re looking for:
- You have 3+ years in CRM, lifecycle or growth marketing, ideally in fintech, financial services or another consumer app
- You've run campaigns that moved conversion, whatever conversion meant in your context (sign-ups, first deposits, upgrades, purchases, retention), and you can explain why they worked
- You bring a growth mindset to experimentation, and you're comfortable testing fast, being wrong and adjusting
- You're a strong project manager who prioritises well across multiple stakeholders and deadlines
- You know what looks good and what reads like great copy that resonates
- You have strong experience building segmentation and multi-step journey logic (such as Braze Canvas or equivalent), including entry and exit criteria, triggers, suppression and holdouts, and you can spot where logic could fail before it reaches a customer
- You've worked hands-on with a customer engagement platform such as Braze (preferred), Iterable or Customer.io
- You're comfortable with A/B testing and reading results, and you know the limits of what the data can tell you
- You write clearly, for customers and for internal stakeholders
It's a bonus if…
- You use AI tools (Claude, ChatGPT or similar) in your day-to-day work, such as drafting briefs, analysing data or speeding up experimentation
- You're familiar with Liquid or SQL
- You've worked in an FCA-regulated environment
- You have experience in product management or product development
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 🎁
- £55,000 per annum
- Discretionary Performance-Related Annual Bonus.
- 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
- Final interview with CMO
We're committed to making our recruitment process accessible to everyone. If you require any reasonable adjustments at any stage of the application or interview process, please let us know at [email protected] and we'll be happy to accommodate.
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.
