Financial Operations Analyst

Chip; Greater London; On-site; GBP 32,000; Full time

Job summary

A fast-growing fintech company seeks a Finance Operations Analyst to help automate financial operations and improve processes. Responsibilities include reconciling accounts, resolving discrepancies, and using SQL/Python for automation. The ideal candidate has financial operations experience, strong Excel skills, and a problem-solving mindset. This role offers competitive pay, a supportive environment, and opportunities for personal and professional growth within the team.

Benefits

£31,500 per annum

Discretionary bonus up to 10%

Workplace pension scheme

Private medical insurance

Employee Assistance Programme

Flexible working arrangements

28 days holiday plus bank holidays

Annual training budget

Free ChipX subscription

Company laptop

Qualifications

• At least 1 year experience in financial operations, ideally in reconciliation processes.
• Experience in a high growth business.
• Proactive and supportive of team members.

Responsibilities

• Reconcile customer accounts for accuracy.
• Identify and resolve client discrepancies.
• Automate processes using SQL or Python.

Skills

Financial operations experience

Intermediate-Advanced Excel

SQL or Python

Analytical mindset

Problem-solving skills

Attention to detail

Job description

We’re growing fast and we have some very exciting plans. We’re looking for a Finance Operations Analyst to help us make them happen.

We are looking for a talented and dedicated Finance Operations Analyst, our goal where possible is to automate and innovate, making sure the right tools are in place to enable the team to work as a business-enabling function rather than huddling over Excel running manual repetitive tasks.

What you can expect to be doing:

• Reconcile customer accounts to ensure accuracy across all balances
• Identifying, investigating and resolving client account discrepancies
• Ensure accurate accounting of payments transactions
• Setup and continuous improvement of reporting and reconciliation processes
• Work with data team to ensure accurate reporting and distribution of information across the business
• Transaction monitoring for risk and compliance
• Work with product team on new features to understand cost and process impacts
• Automate and simplify processes using SQL/Python
• Work with auditors to provide relevant data upon request
• Take an active role in Operational projects to ensure better outcomes
• Work closely with Compliance and Risk to address new regulatory changes and apply them to procedures and processes

What we’re looking for:

• At least 1 year experience in financial operations, ideally having taken part in setting up new reconciliation processes
• Experience within a high growth business
• Intermediate-Advanced Excel
• Experience using SQL or python
• You’re hands-on and take satisfaction in supporting colleagues, projects or tasks however big or small
• Numerate with an analytical mind and strong problem-solving skills
• Attention to detail
• Fast learning, with the ability to multitask and prioritise workload appropriately
• Proactive with our core value “Make it Happen” in mind
• Smart, with the ability to find solutions independently

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 operations 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

• £31,500 per annum
• 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 £31,500. 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
• Short take‑home test
• Video interview with the hiring manager
• Final interview with Head of Operations

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 190, 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.