Senior AI Engineer

Senior AI Engineer At Chip, our mission is to make our customers wealthier. An app to build your long-term wealth across savings, investments and pensions. We usually respond within three days The Opportunity 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 process 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 🎁 £85,000 - £110,000 per annum 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: 📖 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 £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. Locations Shoreditch Remote status Hybrid Shoreditch Perks & Benefits 🌴 28 Days of Holiday – Plus Public Holidays! ✈️ Take 28 days to unwind and recharge, plus all public holidays! We prioritise your work-life balance so you can enjoy life outside of work. 🌟 💪 Chip Fitness Benefit – Your Wellbeing, Your Way! 🧠Fitness & Wellbeing 🏋️ Support your fitness and mental wellbeing with access to classes, programs, and personal goals. We've got you covered! 🏠 Hybrid Working – Flexibility at Its Best! 💻 Work in the office 3 times a week, blending in-person collaboration with the comfort of home. 🎓 Investing in Your Growth! 🌱 We support your development with an annual training budget for courses, workshops, or conferences to help you advance your career. Pension 💰 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! 🚀 💻 Company Laptop – Work Anytime, Anywhere! 🌍 Get a company laptop to stay productive on the go, wherever you are! 🌍 Working Away Policy ✈️ Work from anywhere outside the UK for up to 90 days – take your job on the go! 🚲 Cycle to Work Scheme – Ride in Style! Enjoy the Cycle to Work Scheme and pedal your way to a healthier, greener commute. 🎫 Season Ticket Loan 🚆 💼 Employee Assistance Programme – We've Got Your Back! 🤗 Access confidential support for personal or work challenges, including mental health resources and practical advice. We've got your back! 🌱 🩺 Private Healthcare with Bupa – Your Health, Our Priority! 🌱 Get comprehensive care with Vitality's private healthcare, where your medical history is disregarded, ensuring peace of mind whenever you need it. 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 . About Chip What is Chip? Chip is your wealth app. It gives you one easy place for your savings and investments. So you can build, manage and grow your long term wealth. Our mission and history Our 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 300,000 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 We 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. In practical terms this means adding more savings accounts and investment opportunities for Chip members to passively grow their wealth, combined with intelligent tools and intuitive features to make it easier for them to actively build up their wealth. We’re all huge believers in making managing wealth more effortless, and as automated as possible. So everyone can feel empowered to focus on achieving the things that really matter to them. Chip Financial Ltd (“Chip”) is registered in England and Wales, registration number: #10113174 Our registered office is: Sixth Floor, Fora Montacute Yards, 186 Shoreditch High Street, London, E1 6HU Note that Chip is not a bank, meaning that we do not have physical branches, issue debit bank cards nor are you able to access your Chip money via ATMs. Chip does not provide financial advice and our services are only available via the Chip app. Savings Chip is a trading name of Chip Financial Ltd and is authorised by the Financial Conduct Authority under the Payment Services Regulation 2017 for the provision of payment services. Firm Reference Number 911255. Only eligible deposits held in the Chip Savings Accounts (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. To find out more and to check your eligibility please visit: fscs.org.uk/about-us/. You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website ( fscs.org.uk ) ‍ Investments For our Investment Platform business, only Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under Firm Reference Number 1005114. Seccl Custody Limited acts as the custodian for the money held in a Stocks and Shares ISA or General Investment Account (GIA) with Chip. We use Seccl to provide the behind the scenes technology that powers our investment platform, and Seccl is responsible for holding your cash and investments. In the unlikely event Seccl Custody Limited or Chip Financial (Investments) Ltd is declared to be in default and cannot meet our obligations, you may be able to claim compensation. If you are eligible, you could make a claim for up to £85,000 by the Financial Services Compensation Scheme (FSCS) under their Investment Scheme. It’s important to understand that the FSCS doesn’t cover you in the event that your investments go down and you get back less than what you put in. Further information is available from the FSCS website fscs.org.uk). When investing your capital is at risk, and the value of your investments can go up as well as down and you may receive less than your original investment. Past performance is not a reliable indicator of future performance. Chip does not provide investment advice, and you as an individual investor should make your own decisions or seek professional independent advice. Prize Savings Account (“PSA”) T&Cs, eligibility criteria and minimum average balance of £100 applies. FSCS limits of £85,000 apply to eligible deposits. Prizes are not cash and are applied to your PSA as a bonus. Prizes become cash once you withdraw your entire PSA balance into your linked bank account. Prizes are not eligible for FSCS protection. This account does not offer interest. For current prize values, entry and eligibility criteria and how to opt-out see: getchip.uk/legal/prize-savings-account-terms. You can opt out of any or all prize draws at any time by contacting our Customer Success team via our in-app chat, or emailing support on [email protected]. If you have opted out, you can opt back in at any time via the same channels. You acknowledge that if you opt out, you will no longer be eligible for entry into prize draws. The PSA and prize draws are offered and managed by Chip. ClearBank is responsible for only the provision of the account and holding your funds which are FSCS protected (subject to eligibility) You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website ( fscs.org.uk ) Chip Cash ISA Your Chip Cash ISA is a cash ISA provided by ClearBank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 754568. ClearBank Limited is approved by His Majesty’s Revenue and Customers (“HMRC”) for the purposes of the Individual Savings Accounts Regulations 1998 as an ISA manager. ClearBank Limited is registered in England and Wales under company number 09736376 with registered office: ClearBank, Borough Yards, 13 Dirty Lane, London, SE1 9PA. You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website ( fscs.org.uk ) Founded in 2016 Co-workers 180