Senior AI Engineer

This is a senior individual contributor role at the technical heart of Chip's AI chapter. You will be a key technical contributor to our agentic AI systems, working closely with the Head of AI and the wider engineering team to design, build and scale the infrastructure that powers our customer-facing AI products. You will have significant technical ownership — this is not a role for someone who wants to configure existing frameworks. We are looking for someone who can design novel solutions to hard problems and take them all the way to production.

What you can expect to be doing:

• Architecture & Technical Design
  • Work closely with the Head of AI to contribute to and implement the technical architecture of Chip's multi-agent AI systems — from orchestration layer to inter-agent communication and context persistence.
  • Design bespoke frameworks and tooling where off-the-shelf solutions fall short.
  • Author and maintain architectural decision records (ADRs) and engineering standards for the AI chapter.
  • Evaluate emerging techniques and approaches, adapting from research into production-ready implementations.
• Delivery & Implementation
  • Lead the hands-on implementation of AI systems alongside the team, maintaining deep technical involvement.
  • Build production-grade systems: observable, reliable, and cost-efficient at scale across Chip's 400k+ user base.
  • Define and implement testing and evaluation strategies for agentic systems — models-as-judge, synthetic data, human-in-the-loop processes and runtime safety / quality controls.
  • Identify and implement “flywheels” and processes that drive quality and performance through continuous iterative improvements.
  • Own the integration of AI systems with Chip's existing infrastructure, including async patterns and SDK design.
• Technical Leadership
  • Set the technical bar for AI engineering at Chip — reviewing work, raising standards, and mentoring engineers.
  • Work closely with the Head of AI on technical strategy and architectural direction.
  • Partner with the AI Product Manager and wider engineering teams on technically complex initiatives.
  • Contribute to Chip's company-wide AI engineering standards and governance.

What we’re looking for:

• Deep hands-on experience designing and building multi-agent AI systems in production — not just configuring existing frameworks.
• Proven ability to take AI systems from concept through to production with long-term ownership.
• Track record of solving hard technical problems: large context windows, hallucination mitigation, novel orchestration patterns.
• Experience building customer-facing AI systems in regulated, high-trust, or high-risk domains is a strong plus.
• Experience building AI systems on AWS is strongly preferred, particularly using services such as Bedrock, SageMaker, ECS, and EventBridge.

Technical Depth

• Expert-level understanding of agentic architectures: orchestration, inter-agent communication, state and context management.
• Strong experience with evaluation frameworks, retrieval systems, model behaviour analysis and production observability for AI systems.
• Comfortable working across the full stack — infrastructure, services, and AI layer — to ship end-to-end solutions.
• Stays current with the fast-moving AI landscape and is genuinely excited about being at the forefront of what's possible.

Ways of Working

• High agency IC — owns problems end-to-end without waiting for direction.
• Comfortable in a small, fast-moving team where the scope of your impact is large and visible.
• Collaborative and generous with knowledge — raises the technical capability of those around you.
• Interested in the commercial and product context of the systems you build, not just the engineering.

The Role in Context

You will report to the Head of AI and work alongside a small team of Backend Engineers in building and maintaining Chip’s AI Platform. You will also work closely with the product teams who are building customer-facing features on top of your platform, as well as stakeholders across the business on internal AI-driven opportunities.

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 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.

Our Interview Process:

• Video screen with someone from our Talent team.
• Video interview with the hiring manager.
• Video interview with senior stakeholders.
• Final interview with CTO.

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 £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 funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50 million 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 & 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.