Head of AI Transformation

AI is going to fundamentally change how companies operate. At Chip, we don't want to bolt AI onto the way we work today – we want to use it to rethink how we operate, make decisions and scale. We're looking for a Head of AI Transformation to work directly with our COO and leadership team to make that happen. This role will sit at the heart of how Chip operates and evolves.

Alongside driving our AI transformation, you'll work directly with the COO on our broader operating model – how the organisation is structured, how work flows across teams, how decisions get made, how priorities translate into execution, and how we create the operating leverage required to scale. This is not an AI strategy role where success means producing a roadmap. And it isn't a traditional programme management role. It’s a business transformation and operating role, with AI as one of the most important tools available to you.

You’ll identify where AI, automation and changes to the way we operate can materially improve the business, turn those opportunities into executable initiatives and drive them through to measurable results. You’ll work across every part of Chip – Operations, Customer Service, Finance, Risk & Compliance, Marketing, Product, Engineering, People and our leadership teams – looking horizontally across the organisation rather than optimising functions in isolation.

You’ll help us understand how work actually flows through Chip, where time and capacity are being consumed, where processes are unnecessarily manual, where ownership or decision‑making is unclear, where organisational friction is slowing us down, and where AI or changes to our operating model can enable us to operate faster, smarter and at greater scale. Most importantly, you’ll make things happen.

What you can expect to be doing:

• Work directly with the COO on how Chip operates and scales.
• Help evolve our operating model as the business grows – looking at organisational structures, accountabilities, decision-making, governance, ways of working and how teams interact across the company.
• Identify and solve cross‑business operating problems.
• Improve how strategy turns into execution.
• Drive operating leverage.
• Challenge organisational complexity.
• Help the COO maintain a business‑wide view of performance and execution.
• Lead selected COO‑sponsored strategic and operational initiatives.
• Own Chip’s business‑wide AI transformation programme.
• Find the highest‑value opportunities across the business.
• Turn opportunities into working solutions.
• Build a clear transformation and AI value pipeline.
• Redesign workflows, not just automate individual tasks.
• Create visibility across the organisation.
• Drive cross‑functional execution.
• Strengthen organisational accountability.
• Build AI into the way Chip works.
• Develop scalable operating systems and workflows.
• Use AI to transform management information and reporting.
• Improve the operating rhythm of the business.
• Create the measurement framework for transformation.
• Drive adoption.
• Bring external thinking into Chip.
• Be a constructive agitator.

What we’re looking for:

We're deliberately looking for an unusual combination of skills. You need to understand technology, but you don't need to be an AI engineer. You need to understand transformation, but we don't want someone whose primary skill is running a programme plan. You also need to understand how businesses actually operate. You'll be equally interested in why a decision takes three weeks, why ownership between two teams isn't clear or why five teams are doing versions of the same thing as you are in what the latest AI model can do.

We're looking for someone who combines commercial instinct, AI fluency, strong operating judgement and relentless execution.

You’ll probably have:

• Significant experience delivering technology, AI, automation, digital or business/operating‑model transformation in a fast‑moving organisation.
• Experience working on broader business transformation, organisational effectiveness, operating models or complex cross‑functional change.
• A strong understanding of how high‑performing organisations operate.
• A strong practical understanding of modern AI.
• Evidence that you've implemented AI or automation into real business processes and can demonstrate the impact it delivered.
• The ability to understand a business process quickly, break it down and identify where technology, AI, data, process redesign or organisational change can materially improve it.
• The ability to move comfortably between strategic and operational problems.
• Strong commercial judgement.
• Exceptional programme and execution skills.
• Strong analytical skills and comfort using data to establish baselines, quantify opportunities and measure results.
• The ability to operate horizontally across an organisation and influence people who don't report to you.
• The confidence and credibility to work directly with executives and senior leaders.
• The judgement to know when a problem needs technology, when it needs process change, when it needs clearer accountability.
• A bias towards experimentation and delivery.
• Excellent communication skills.
• A genuine obsession with how AI is changing the way companies operate.

Nice to have:

• Experience in fintech, financial services or another regulated environment.
• Experience working in a high‑growth technology business.
• Experience working directly with a COO, CEO or executive leadership team on business‑wide priorities.
• Experience with operating‑model design or organisational transformation.
• Experience implementing agentic AI or AI‑enabled workflows at organisational scale.
• Hands‑on experience with tools across the emerging AI and automation ecosystem.
• Experience with workflow and work‑management platforms.
• Experience building business cases and measuring realised benefits from transformation programmes.
• Enough technical depth to prototype, interrogate solutions and work effectively with engineers and data teams.

What success looks like:

This role won't be measured by the number of AI tools Chip deploys. It will be measured by whether Chip becomes a better, simpler and more scalable organisation as a result of your work. Within your first year, we would expect to see a visible portfolio of AI‑enabled and broader business transformation underway across Chip, with clear evidence of processes being simplified or eliminated, manual activity reducing, decision‑making becoming faster and better informed, and teams able to handle greater scale without equivalent growth in headcount.

We would expect greater clarity around priorities and accountability, fewer organisational hand‑offs, better visibility of execution across teams, faster resolution of cross‑functional problems and a stronger connection between what the company has decided is important and where its resources are actually being deployed.

We should have significantly better visibility of how work flows through the organisation, where our capacity is being deployed and where opportunities exist to improve performance. Our leadership team should have better information with which to run the business, clearer visibility of where intervention is required and greater confidence that decisions and commitments are translating into action.

Most importantly, AI should increasingly become part of how Chip operates, rather than something the business occasionally uses, and our operating model should continue to evolve to take advantage of what AI makes possible.

What we’re really looking for:

We want someone who looks at the way a business operates and instinctively thinks: there has to be a better way of doing this. Then goes and builds it. Sometimes the answer will be AI. Sometimes it will be automation. Sometimes it will be changing a process, removing a meeting, redesigning a workflow, clarifying who owns something or challenging why we’re doing something at all.

That's an important distinction in this role. We don't want someone looking for problems to solve with AI. We want someone looking for the biggest opportunities to make Chip better – who happens to understand deeply how AI changes the range of solutions available to us.

You’ll be naturally curious about AI and probably already use it constantly. You'll experiment with new tools because you want to understand what they can do, not because someone has asked you to. But being excited about AI isn't enough. You'll need the commercial instincts to identify which opportunities actually matter, the judgement to prioritise them, and the persistence to get them implemented across a busy organisation.

You’ll also need to be fascinated by how organisations work: how decisions happen, why execution gets stuck, where accountability becomes blurred, how information flows and how great businesses maintain pace as they become larger and more complex.

You’ll be comfortable moving between very different conversations – interrogating a workflow with an operational team in the morning, working through an AI solution with engineers in the afternoon, unblocking a cross‑functional business problem, and presenting the business case and delivery status to senior leadership later that day.

You’ll have strong opinions, loosely held. You'll challenge us. You'll expect pace. And when something gets stuck between teams, you'll be the person who gets it moving again.

You’ll effectively become one of the COO's key levers for making the organisation work better – able to move across functions, spot problems and opportunities that aren't visible from within individual teams, and turn them into action.

If you're looking for a role where you can help redesign how an entire company operates as AI transforms the workplace, this could be a particularly interesting time to join Chip.

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.
• 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.
• 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.
• Interview with the COO.
• Practical business and AI transformation case – working through a real Chip problem and showing us how you would approach the opportunity.
• Final interview with members of Chip's senior leadership team.

We're committed to making our recruitment process accessible to everyone. If you require any reasonable adjustments at any stage of the application or interview process, please let us know.

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.