Operations Team Lead (ISA/Pension)

We are seeking an experienced and proactive Operations Team Lead to oversee the day-to-day operations of our ISA and pension transfers team. The successful candidate will manage a team of four agents and an outsourced team, ensuring timely and accurate processing of all transfer requests, maintaining compliance with regulatory standards, and delivering excellent customer service.

What you can expect to be doing:

• Team Leadership:
  
  
  • Lead, support, and develop a small team of transfer operations agents
  
  
  • Set clear performance objectives and conduct regular reviews.
  
  
  • Provide coaching, training, and mentoring to drive continuous improvement.
  
  

• Transfer Operations:
  
  
  • Oversee the end-to-end processing of ISA transfers, both in and out.
  
  
  • Ensure transfers are completed accurately and within SLA and regulatory timelines.
  
  
  • Resolve complex or escalated transfer issues and liaise with third-party providers.
  
  

• Compliance and Risk:
  
  
  • Maintain adherence to HMRC rules and regulations and internal risk and compliance frameworks.
  
  
  • Ensure proper record-keeping and documentation for audit and compliance purposes.
  
  

• Process Improvement:
  
  
  • Identify inefficiencies and implement process improvements.
  
  
  • Collaborate with technology and operations teams to enhance automation and reduce manual interventions.
  
  

• Stakeholder Engagement:
  
  
  • Act as a point of contact for internal teams, external partners, and sometimes customers on transfer-related matters.
  
  
  • Prepare and present regular reporting on team performance, volumes, and issues.
    
  
  

What we’re looking for:

• Previous experience in a supervisory or team lead role, ideally within a financial services firm.


• Knowledge of UK pensions and ISA regulations (e.g., HMRC, FCA requirements)


• Excellent organisational skills and attention to detail.


• Ability to prioritise effectively in a high-volume, deadline-driven environment.


• Confident communicator with strong interpersonal and stakeholder management skills.

Nice to have

• Familiarity with transfer platforms, electronic messaging systems (e.g., Origo, BACS), and CRM/recordkeeping systems.


• Experience working in a fintech or fast-paced financial services environment.


• Experience in customer service

What we’re really looking for: ✍️

Someone 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.

Although we’re in the financial space, and under the scrutiny that comes with it, the current operations team works well together, and even sometimes with a smile. We’re sure you’ve got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.

We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn’t matter to us.

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 🎁

• £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 £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. Video interview with the hiring manager


3. Final interview with our SVP of Operations

 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 £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 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.

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.