OverviewWe are looking for a talented and dedicated Technical Lead to help us build out a world-beating feature set. As Technical Lead you’ll be responsible for developing new features and services to help us continue to deliver a great product to our customers that helps our company and their money grow. In this role, you should be an excellent communicator who is able to translate complex requirements into functional architecture. We’d also like you to have hands-on experience on software development and be able to manage and understand our microservice architecture and more importantly embrace our engineering values.

What you can expect to be doing

Understand and own project architecture decisions within their team domain.

Act as the point of reference for technical decisions in the team.

Prepare and present Technical Reviews on any major new projects to Architecture Steerco.

Responsible for delivery plan and estimations on project progress for stakeholders

Work with Engineering Manager to plan sprints, based on team capacity and project estimations

Collaborate with other Technical Leads as well as Staff and Principal Engineers to define and implement changes at Chip that elevate our engineering excellence.

Mentoring and coaching team on imposing coding standards and good architecture

Able to investigate and diagnose production issues, and advise possible solutions in a pragmatic manner

Design and build non-trivial features involving multiple services and data sources.

Contributes to group standards, impactful in improving our processes.

Proactively improves performance issues, code structure and error handling, including logging, alerting and monitoring

Handling complex changes to third-party dependencies.

Understanding of the whole tech stack including CI/CD and production environments

What we’re looking for

Proven experience as technical lead of a high performance engineering team

Strong communicator who can lead technical discussions at all levels and able to explain a complex technical issue to someone non-technical

Programming language experience in PHP with an interest to learn GO

Experience with a PHP framework such as Laravel or Symfony

Strong understanding of design patterns (bus, repository, decorator, etc)

Strong understanding of mutable vs immutable databases

Experience with manipulating data structures and performing performance audits of codebase and database.

Development locally with Containers (Docker) through to production.

Strong understanding of branching strategies and where best to use them.

An understanding of Microservice architecture and how to develop microservices.

Team player who will be committed to the cause, can be flexible, reliable and responsible, active listener, will keep your team informed and is always at hand to support and respect others

A role model who can represent and promote Chip within the wider community

What we’re really looking forSomeone 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.

Working hours and cultureAlthough we’re in the financial space, and under the scrutiny that comes with it, the current engineering team works well together, and even sometimes with a smile. We’re looking for a real person with interests outside of work. 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

Starting salary of £83,000

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 .

Fully comprehensive 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 Product Manager

About ChipOur mission is to make our customers 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 visionWe know planning for your future can be a tedious, daunting task often avoided, so we want to change that. We\''re building the wealth app for our community, giving them one place for saving and investing. We\''re giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.

Who we areChip 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 and 2025 British Bank Awards.

Our ValuesBe 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 OpportunitiesWe 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 AgenciesChip 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.

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