You'll own Chip's day-to-day relationships with the banks on our deposit panel, reporting to the VP Commercial and working closely with Treasury and Finance. Alongside running the existing panel, you'll help us bring new banks on board and improve the products they offer through Chip.

What you can expect to be doing

Act as a primary day-to-day contact for each bank on our panel, running regular check-ins, resolving operational issues and escalating where needed

Work with Treasury to monitor deposit flows, funding targets and capacity at each bank, flagging early when a bank is approaching its limits or a product is due to mature

Support the VP Commercial in commercial negotiations on rates, margins, funding commitments and contract terms, preparing the analysis and materials that go into them

Help grow the panel by researching and approaching new banks, building the case for each, and supporting them through to launch

Work with banks on improving the products they offer through Chip, feeding in customer and market insight and helping shape new product terms

Get hands-on with bank onboarding: due diligence, legal and contractual documentation, account opening, client money acknowledgement letters, and coordinating technical and operational readiness with internal teams

Support ongoing oversight of panel banks, including performance against agreed terms and SLAs, periodic due diligence refreshes, financial health monitoring and outsourcing and third-party risk requirements

Keep relationship records, contracts and oversight evidence up to date and audit-ready

Help build out the processes and playbooks the team will rely on as it grows

What we’re looking for

3+ years' experience in bank relationship management, treasury, deposit partnerships or a similar role, either at a bank, a savings platform or a fintech working with banking partners

A solid understanding of how banks think about retail deposit funding, pricing and liquidity

Experience supporting commercial negotiations and contract discussions

Comfort working through detailed onboarding and due diligence processes without losing momentum

Clear, credible communication with senior stakeholders at partner banks

Willingness to roll up your sleeves in a small, growing team

Nice to have

Experience at a deposit aggregator or savings platform

Familiarity with FCA client money (CASS) rules and outsourcing and third-party risk management

An existing network across UK challenger and specialist banks

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.

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 our VP of Commercial

Final interview with the hiring manager and someone from our Treasury team

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 daniel.bowling@getchip.uk 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.