Head of Investment Operations

Chip; London; On-site; GBP 80,000 - 120,000; Full time

Job summary

Join a fast-growing fintech company as the Head of Investment Operations, where you'll lead investment and pension operations, enhance customer experiences, and build scalable processes. We seek an experienced leader passionate about nurturing high-performing teams and driving operational excellence in a dynamic environment.

Benefits

Discretionary Performance-Related Bonus of up to 10% (Cash) and 5% (Shares)

Workplace pension scheme with 5% contributions

Private medical insurance

Employee Assistance Programme

Flexible working arrangements

28 days holiday plus bank holidays

Annual training budget for professional development

Free ChipX subscription for UK-based employees

Company laptop

Fast-tracking opportunities in a high-growth environment

Qualifications

• Leadership experience in investment operations, ideally in fintech.
• Strong understanding of ISA and pension transfer processes.
• Proven ability to build, lead, and scale operations teams.

Responsibilities

• Lead and manage the investment operations function.
• Ensure compliance with reporting requirements for ISAs and pensions.
• Collaborate with cross-functional teams to improve customer experience.

Skills

Leadership

Compliance

Customer-centric approach

Problem-solving

Education

Experience in investment operations within fintech

Familiarity with ISA and pension regulations

Job description

As Head of Investment Operations, you’ll lead our investment and pension operations function, focusing on delivering excellent customer outcomes and building scalable, efficient processes. This is a leadership role, suited to someone with deep experience in investment operations and a passion for scaling teams in high-growth environments.

You’ll own day-to-day operational processes around ISA and pension transfers, platform reporting requirements, and cross-functional operational initiatives. You’ll work closely with Product, Compliance, Customer Support and Engineering to shape the operational backbone of our business.

What you can expect to be doing:

• Lead and manage the investment operations function, with ownership over ISA and pension transfer processes (inbound/outbound).
• Ensure compliance with reporting requirements for ISAs and pensions (e.g. HMRC, FCA).
• Design and scale operational processes to support growing customer volumes and product complexity.
• Collaborate with cross-functional teams to improve the end-to-end customer experience and reduce operational friction.
• Build and manage a high-performing operations team, including setting clear KPIs and workflows.
• Own the operations roadmap and contribute to broader strategic planning across the business.
• Act as a subject matter expert on pensions, ISAs, and investment operations within the company.
• Own and manage all aspects of investment operations, including ISA and pension transfers, trade settlements, reconciliations, and fund flows.
• Lead the team responsible for back-office operations, with a focus on automation and scalability.
• Ensure timely and accurate reporting for ISAs, pensions, and other regulatory obligations.
• Collaborate closely with Product, Compliance, Engineering, and Customer Support teams to improve the customer journey and operational infrastructure.
• Identify and implement improvements to processes, tools, and systems to increase efficiency and reduce risk.
• Ensure adherence to regulatory and compliance frameworks, including FCA CASS, HMRC requirements, and pension regulations.
• Build and mentor a high-performing operations team, fostering a culture of ownership, accountability, and continuous improvement.
• Act as a key stakeholder in the launch of new investment products or operational capabilities.

What we’re looking for:

• Leadership experience in investment operations, ideally in a fintech, platform, or high-growth startup. Experience with ISAs, SIPPs, and general investment accounts is essential.

• Strong understanding of ISA and pension transfer processes, tax reporting requirements, and platform operations.
• Proven ability to build, lead, and scale operations teams in a fast-paced, ambiguous environment.
• Experience with operational systems, reconciliations, and regulatory reporting; familiarity with CASS and pension regulations a plus.
• Comfortable with ambiguity, proactive problem solver, and deeply customer-centric.

Nice to Have:

• Exposure to or experience working on a trading desk or with order execution workflows.

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

• 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. 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 Head of Operations & Principal Operations Manager

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 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.