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About the Role

AI is fundamentally changing how companies operate. At Chip, we aim to leverage AI to rethink our operations, decision-making, and scaling strategies. We are seeking a Head of AI Transformation to collaborate directly with our COO and leadership team to drive this vision. This role is central to Chip's evolution, focusing on business transformation and operating model enhancements with AI as a key tool.

Responsibilities

Work directly with the COO on how Chip operates and scales, evolving the operating model to support business growth, including organizational structures, accountabilities, decision-making, governance, and team interactions.
Identify and resolve cross-business operating problems that span multiple teams, driving necessary changes for effective solutions.
Improve the connection between company strategy, functional plans, and execution, ensuring resource deployment visibility and timely leadership intervention.
Drive operating leverage by identifying opportunities to increase output without proportional cost increases through improved processes, clearer accountability, technology, automation, AI, and organizational changes.
Challenge organizational complexity by simplifying unnecessary hand-offs, duplicated activities, unclear ownership, excessive reporting, and slow decision-making processes.
Assist the COO in maintaining a business-wide view of performance and execution, surfacing emerging issues, dependencies, capacity constraints, and opportunities.
Lead selected COO-sponsored strategic and operational initiatives that span organizational boundaries.
Own Chip's business-wide AI transformation program, translating ambitions into a prioritized portfolio of initiatives with clear owners, milestones, and measurable outcomes.
Identify high-value opportunities across the business by analyzing team operations, friction points, manual work, duplicated effort, and broken workflows to determine where AI, automation, or operating model changes can create value.
Turn opportunities into working solutions, managing them from discovery and business case through prototyping, implementation, adoption, and measurement.
Build a clear transformation and AI value pipeline, prioritizing initiatives based on measurable business impact.
Redesign workflows across functions and end-to-end processes to fundamentally simplify how work is done.
Create organizational visibility using tools, data, and AI to understand team activities, capacity deployment, delivery blockers, and areas for intervention.
Drive cross-functional execution by bringing together Product, Engineering, Operations, Data, and business teams for transformation initiatives.
Strengthen organizational accountability by ensuring clear ownership for cross-functional initiatives, appropriate decision-making levels, and commitment translation into delivery.
Integrate AI into Chip's operations by encouraging teams to consider AI and automation as a default in process design.
Develop scalable operating systems and workflows using platforms like Linear to enhance transparency, prioritization, and workflow intelligence.
Transform management information and reporting using AI to reduce manual effort, improve insight quality and timeliness, and enhance leadership understanding of business status and required actions.
Improve the operating rhythm of the business by ensuring leadership meetings, reviews, planning, and reporting are driven by high-quality information, clear decisions, and follow-through.
Create the measurement framework for transformation, establishing baselines and tracking initiative benefits.
Drive adoption by working with teams and leaders to change behaviors, embed new ways of working, and ensure new capabilities are utilized.
Bring external thinking into Chip by staying abreast of AI, agentic workflows, automation, and emerging operating models, and translating relevant developments into practical opportunities.
Act as a constructive agitator, challenging existing processes, assumptions, and priorities to drive organizational pace.
Provide clear visibility of progress, surface blockers and opportunities, and constructively challenge senior stakeholders when delivery is impeded.

Requirements

Significant experience delivering technology, AI, automation, digital, or business/operating-model transformation in a fast-moving organization.
Experience working on broader business transformation, organizational effectiveness, operating models, or complex cross-functional change.
A strong understanding of how high-performing organizations operate, including accountability, decision-making, prioritization, governance, management information, and operating cadence.
A strong practical understanding of modern AI, including LLMs, agentic AI, workflow automation, and the evolving AI tooling ecosystem.
Evidence of implementing AI or automation into real business processes with demonstrable impact.
Ability to quickly understand business processes, break them down, and identify areas for improvement through technology, AI, data, process redesign, or organizational change.
Ability to move comfortably between strategic and operational problems.
Strong commercial judgment, with a focus on value, ROI, and opportunity cost.
Exceptional program and execution skills, creating clarity from ambiguity, establishing ownership, and maintaining momentum.
Strong analytical skills and comfort using data to establish baselines, quantify opportunities, and measure results.
Ability to operate horizontally across an organization and influence without direct authority.
Confidence and credibility to work directly with executives and senior leaders, including constructive challenging.
Judgement to determine appropriate solutions (technology, process change, accountability, or decision-making).
Bias towards experimentation and delivery, comfortable with rapid prototyping and learning.
Excellent communication skills, capable of translating complex problems into clear decisions and actions.
Genuine obsession with how AI is changing business operations and how companies are redesigning themselves around it.
Experience in fintech, financial services, or another regulated environment (nice to have).
Experience working in a high-growth technology business (nice to have).
Experience working directly with a COO, CEO, or executive leadership team on business-wide priorities (nice to have).
Experience with operating-model design or organizational transformation (nice to have).
Experience implementing agentic AI or AI-enabled workflows at organizational scale (nice to have).
Hands-on experience with tools across the emerging AI and automation ecosystem (nice to have).
Experience with workflow and work-management platforms like Linear and using their data to improve performance (nice to have).
Experience building business cases and measuring realized benefits from transformation programs (nice to have).
Sufficient technical depth to prototype, interrogate solutions, and work effectively with engineers and data teams (nice to have).

Skills

AI Transformation
Business Transformation
Operating Model Design
Organizational Effectiveness
Cross-functional Change Management
AI Fluency
Commercial Instinct
Operating Judgement
Execution Skills
Analytical Skills
Data Analysis
Process Improvement
Workflow Redesign
Automation
LLMs
Agentic AI
Workflow Automation
AI Tooling Ecosystem
Communication Skills
Influencing Skills
Problem-Solving
Strategic Thinking
Operational Execution
Experimentation
Prototyping
Business Case Development
Benefit Measurement
Stakeholder Management
Leadership

Location

Work Type

Full-time
Flexible working arrangements

Experience Level

Senior
Head of

Benefits

Discretionary Performance-Related Annual Bonus
Workplace pension scheme (5% contribution 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
28 days holiday plus bank holidays, plus days between Christmas and New Year
Annual training budget
£30 per month Chip Fitness Benefit
Company laptop

About the Company

Chip’s mission is to make your life wealthy.
We're building the wealth super app of the future, integrating savings, investments, and pensions.
We use technology to democratize investment, providing a simple platform to manage, grow, and protect wealth.
The Sunday Times recognized Chip as the 6th fastest-growing tech company in Britain.
Chip serves over 400,000 active customers and manages over £6 billion in assets.
Chip is one of Europe's most successful crowd-funded businesses, having raised over £50m from 29,000 investors.
Our vision is to be the most personal digital wealth manager in the UK.
Chip has a creative and diverse team of 180 individuals.
Chip has won awards including Best Personal Finance App at the 2022, 2024 & 2025 British Bank Awards.

Equal Opportunity

We are an equal-opportunity employer and value diversity.
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.