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.
Requirements
Proven background in a FinTech, Digital Bank, Challenger Bank, Retail or Business Bank.
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 or commercial finance 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) ; strong modelling ability and comfortable with large 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.
Experience working with data teams.
At least 3 years industry experience post qualification (ACA, ACCA, CIMA, CFA or equivalent qualification).
Benefits
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.
Private medical insurance (medical history disregarded)
Employee Assistance Programme
Cycle to work scheme
Season ticket loan
Free ChipX subscription for UK-based employees
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
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