Product Manager - Pensions

We are looking for a Product Manager to own and drive our Pension proposition.

You will lead our newly launched Pension proposition and work within a cross-functional pod spanning engineering, design, ops, and compliance. You will be accountable for the end-to-end Pension product: from shaping the roadmap to driving delivery and iterating on outcomes.

We are not looking for someone who waits to be told what to do. We want someone who brings energy, opinions, and urgency, who can identify what matters most, make a call, and take people with them.

What you can expect to be doing:

• Own and drive the Pension product roadmap from concept to delivery with a clear view on what will move the needle for customers and the business.

• Work closely with leadership to agree the strategy for Pension.

• Lead ideation and concept refinement and define requirements with a dedicated engineering and design partner, making fast, well-reasoned product decisions.

• Work in our AI-native product development lifecycle, leveraging AI tools actively in how you research, prototype, spec, and iterate.

• Manage complex stakeholder relationships across operations, risk, compliance, commercial, and senior leadership, communicating clearly and building alignment.

• Define and own success metrics for the Pension proposition, using data to identify opportunities and course-correct quickly.

• Coordinate third-party provider relationships relevant to the Pension product (e.g. SIPP providers, platform integrations).

What we’re looking for:

The most important thing is mindset. We want someone with drive, conviction, and a positive, problem-solving attitude. The rest is context.

Mindset and approach

• A natural driver: proactive, self-starting, and energised by ownership rather than daunted by it.

• Opinionated about product: you form views based on evidence, communicate them with confidence, and back them up when challenged.

• A problem-solver who leans in: when given a problem, you can break it down, frame options, and recommend a path forward.

• Positive and resilient: you bring constructive energy to ambiguous and challenging situations, and you make the people around you better.

• Decisive under uncertainty: you are comfortable making calls without perfect information and own the outcomes.

Product skills

• Product management experience, ideally in a scale-up or high-growth environment.

• Strong product craft: you understand customers deeply, write sharp requirements, make considered UX decisions, ship quality at pace, and know how to manage and prioritise opportunities and problems to solve in a flexible way

• Data-driven: you use data to spot problems and validate solutions, and you set meaningful success metrics from day one.

• Commercially minded: you keep revenue, cost, and business model implications front of mind in every product decision.

• AI curious: you use AI tools actively in your day-to-day product process and see them as a genuine advantage, not a novelty.

Domain knowledge (nice to have)

• Experience in fintech, with strong preference for investments, wealth management, or pension products.

• Familiarity with the UK pension landscape, including SIPP products and pension transfers.

• Understanding of the regulatory environment relevant to pensions (FCA-regulated products, consumer duty, etc.) is a plus, though not essential from day one.

Stakeholder and communication skills

• Comfortable presenting and aligning with senior leadership, including at exec level.

• Able to navigate operations, compliance, risk, legal, and commercial stakeholders without losing pace or momentum.

• Clear, direct communicator — written and verbal — who can adapt their style to different audiences.

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 🎁

• Competitive salary based on experience (£65,000 to £75,000)

• 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. 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: 📖

1. Video screen with someone from our Talent team

2. Product Skills Interview

3. Project Walkthrough Interview

4. Leadership & Values Interview

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 at [email protected] and we'll be happy to accommodate.

About Chip

What started in 2017 as an automated way to save has evolved into a fast-growing wealth platform helping over 500,000 people build and manage more than £5 billion of their money. Today, Chip brings together high-interest savings, investing, and pensions into one seamless experience, designed for real life, not spreadsheets.

We believe wealth shouldn’t be complicated, intimidating, or reserved for the few. So we’re rethinking how people engage with their money. Combining powerful technology with thoughtful design to make long-term financial growth feel effortless, intuitive, and even rewarding. Whether it’s setting money aside, investing for the future, or consolidating a pension, Chip is becoming the place people trust to take control of their financial lives.

And we’re just getting started. As we expand deeper into investments and pensions, we’re building a product that doesn’t just manage money, it actively works for our customers.

Our vision

To be the most personal digital wealth manager in the UK

Who we are

Chip has a creative and diverse team of 200, 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.

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.