ChipIn
Founding CFO / Capital Markets Co-Founder — Equity Only, UK-Based Only | Fintech Pre-Seed
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Chipin Opportunity
Chipin is building the upgrade infrastructure that helps independent UK electronics retailers retain customers across successive device purchases.
Read this first: equity only, no salary until the round closes. UK-based candidates only — no exceptions. If you're not currently in the UK, or you need salary or day-rate income now, this isn't the right fit — better to say so clearly than waste your time.
The Opportunity
Independent UK electronics retailers sell a device once, then lose the customer at upgrade — usually 24 months later — to Amazon, Currys, or the carriers. Chipin closes that loop: retailers keep the customer relationship through the full device cycle, and the upgrade moment becomes a reason to return, not a reason to leave.
The model is designed to be capital-light and retailer-first:
- The finance partner always holds the hire agreement — Chipin is never lessor of record, in either cycle
- Chipin provides the technology and the retailer channel; the finance partner funds the device
- The returned device's value settles the existing agreement at upgrade, funding the next cycle
- ChipIn itself is a conditional upgrade credit — not a loan, not interest-bearing, not underwriting — funded across Chipin, the finance partner (via rate adjustment), and the retailer (via per-return invoice)
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Current Position
Chipin is pre-seed and pre-revenue. Work completed to date:
- Business model and unit economics fully developed and modelled at the device-cohort level
- Working checkout architecture and server-side state machine built and demo-ready
- Retailer and finance-partner propositions defined
- A scored pipeline of prospective retailers and finance partners in active outreach
- Investor materials in development
The Role
You will run the financial architecture for the first device cohorts. Your responsibilities will include:
- Designing the funding structure for the first device cohorts
- Determining the right split between equity, debt, asset finance, and partner-funded capital
- Leading conversations with specialty lenders, consumer-finance providers, and institutional funding partners
- Developing the financial model into a lender- and investor-ready operating model
- Preparing capital forecasts, liquidity scenarios, cohort economics, and downside cases
- Defining the structure for device ownership, residual-value exposure, and future funding vehicles
- Leading the equity fundraising process alongside the founder
- Supporting investor meetings, due diligence, and negotiations
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Read this before applying — the hard filters
I've had approaches before from people who talk like founders but can't deliver like one. To save both of us time:
- Immediately available.
- Named investor or lender relationships. "My network" without names gets a pass, not a call.
- No commission, in any form. I've had approaches wanting a percentage of the raise, a finder's fee, or an "advisory success fee." The answer is no, however it's phrased. Please don't apply on that basis.
- Deals you've personally closed, not managed or advised on.
Essential Background
- Senior background in lending, capital markets, asset finance, consumer credit, or investment banking
- Direct experience negotiating or structuring facilities, funding rounds, or lending arrangements — not observing them
- Comfortable operating in a regulated, FCA-adjacent lending environment
- UK-based, available to start immediately
What's on Offer
Co-founder level equity, tied to delivery and vesting. You'd be shaping the capital structure of the company from the ground up, not managing an existing one.
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