Financial Accountant

We’re looking for an accountant (qualified or part qualified) to join our Finance team as a Finance Accountant, reporting directly to the Financial Controller. You’ll play a key role in the day-to-day running of our financial operations, ensuring the accuracy and integrity of our financial records, smooth month-end close processes, and timely reporting. You’ll manage core accounting activities - from payables, receivables, and reconciliations to payroll and statutory compliance - while supporting the FC in driving process improvements, audit readiness, and operational efficiency. This is an excellent opportunity for a qualified or part qualified accountant with at least one year of industry experience who’s looking to broaden their skills.

What you can expect to be doing:

• Maintain accurate and up-to-date financial records, ensuring all transactions are processed correctly and in line with accounting standards.
• Manage accounts payable and receivable, ensuring timely invoicing, payments, and collections.
• Perform bank reconciliations and resolve any discrepancies promptly.
• Support month-end and year-end close processes, including journal postings, accruals, and balance sheet reconciliations.
• Prepare and review financial statements and management reports, ensuring accuracy and compliance with relevant standards and regulations.
• Provide variance analysis and commentary, including liaising with both the wider finance team and functional teams across the business.
• Assist with internal and external audits, maintaining robust documentation and supporting control reviews.
• Process payroll and ensure salaries are paid accurately and on time, addressing any queries or issues as they arise.
• Ensure compliance with tax, statutory, and regulatory filing requirements, maintaining appropriate records and controls.
• Contribute to process improvement initiatives, helping streamline accounting workflows, strengthen controls, and enhance reporting efficiency.
• Collaborate with other departments, providing clear and timely financial information to support business operations and decision-making.

What we’re looking for:

• Qualified or part qualified accountant (ACA, ACCA, CIMA or equivalent).
• At least 1 year of industry experience in a finance or accounting role.
• Strong technical accounting skills with a solid understanding of financial reporting and controls.
• Experience across general ledger management, reconciliations, AP/AR, and month-end close processes.
• Excellent attention to detail, organisational skills, and ability to manage multiple priorities.
• Proficient in Excel and accounting systems (e.g. Xero, NetSuite, or similar).
• Strong communication skills with the ability to work effectively across teams.

Nice to haves:

• Experience in fintech, banking, or other regulated financial services environments.
• Familiarity with R&D tax credit processes or audit preparation.
• Interest in process improvement, automation, and scaling finance operations in a growing business.

Working Hours:

• Monday to Thursday: 9:00 AM – 6:00 PM
• Friday: 8:00 AM – 4:00 PM (Start your weekend early!)

PERKS:

• £40,000 - £45,000 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 £45,000.
• Private medical insurance (medical history disregarded)
• Employee Assistance Programme
• Cycle to work scheme
• Season ticket loan
• Free ChipX subscription for UK-based employees
• 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 hiring manager
• Short take-home test
• Final interview with Head of FP&A

About Chip:

Chip’s mission is to make your life wealthy. We are 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.

Chip serves over 400,000 active customers and looks after over £6 billion 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 vision is to be the most personal digital wealth manager in the UK. We’re driven and passionate people, but no one takes themselves too seriously. 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.

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.