Product Manager (Pensions, Contract)

Join Chip, a fast-growing fintech company, as a Contract Product Manager for our newly launched Pension proposition. You will lead the end-to-end Pension product, shape the roadmap, drive delivery, and iterate on outcomes. You will work closely with leadership, manage complex stakeholder relationships, define success metrics, and coordinate third-party provider relationships. This is a hybrid role with a focus on work-life balance, personal development, and a supportive work environment.

• Own and drive the Pension product roadmap from concept to delivery, ensuring alignment with customer and business needs.
• Lead ideation and concept refinement, define requirements, and make fast, well-reasoned product decisions in collaboration with engineering and design teams.
• Manage complex stakeholder relationships across operations, risk, compliance, commercial, and senior leadership, ensuring clear communication and alignment.
• Positive and resilient: you bring constructive energy to ambiguous and challenging situations, and you make the people around you better
• AI curious: you use AI tools actively in your day-to-day product process and see them as a genuine advantage, not a novelty
• Familiarity with the UK pension landscape, including SIPP products and pension transfers
• A natural driver: proactive, self-starting, and energised by ownership rather than daunted by it
• Able to navigate operations, compliance, risk, legal, and commercial stakeholders without losing pace or momentum
• Product management experience, ideally in a scale-up or high-growth environment
• The most important thing is mindset. We want someone with drive, conviction, and a positive, problem-solving attitude. The rest is context
• A problem-solver who leans in: when given a problem, you can break it down, frame options, and recommend a path forward
• Commercially minded: you keep revenue, cost, and business model implications front of mind in every product decision
• Comfortable presenting and aligning with senior leadership, including at exec level
• 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
• Understanding of the regulatory environment relevant to pensions (FCA-regulated products, consumer duty, etc.) is a plus, though not essential from day one
• Data-driven: you use data to spot problems and validate solutions, and you set meaningful success metrics from day one
• Clear, direct communicator — written and verbal — who can adapt their style to different audiences
• Experience in fintech, with strong preference for investments, wealth management, or pension products
• Opinionated about product: you form views based on evidence, communicate them with confidence, and back them up when challenged
• Decisive under uncertainty: you are comfortable making calls without perfect information and own the outcomes
• 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’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
• 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
• 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