Credit Operations Associate

We’re Capital on Tap 👋

💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.

Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.

1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!

🏡🏢This is a Hybrid role, in our London (Moorgate)

Office 3 days per week.

What You’ll Be Doing

• Credit Operations sit at the heart of the major projects within Capital on Tap. You'll be responsible for:
• Driving process improvement and promoting operational excellence with customer experience at the forefront of everything you do
• Becoming an expert on our systems and the technical side of the business, ready to respond to bugs, crises and cleanups
• Analysing customer journeys to identify inefficient processes, reporting and running pilots to improve user experience
• Working with internal project stakeholders to deliver pilots and commercial initiatives
• Getting stuck into strategic projects powering our growth
• Project ideation, delivery and execution for the company’s biggest problems
• We’re Looking For
• Hands-on Problem Solver: You're comfortable diving into manual tasks and processes to build a deep understanding, then leveraging that knowledge to develop impactful AI and automation solutions.
• Agile & Resourceful: You're action-oriented, quick to grasp new concepts, and adept at figuring things out on the fly.
• Automation Enthusiast: You have a genuine interest in automating processes, using AI where appropriate and eliminating operational friction.
• Adaptable: You can seamlessly transition between collaborating within a team and independently leading initiatives.
• Tech Savvy: Proficient in Microsoft Office/Google Workspace, especially Excel/Sheets. Experience with data analysis tools like Looker or Power BI is a plus.
• Diversity & Inclusion
• 🌈
• We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
• Great Work Deserves Great Perks
• We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
• 🏥 Private Healthcare including dental and opticians services through Vitality
• ✈️ Worldwide travel insurance through Vitality
• ❤️ Access to a reproductive and hormonal health platform via Hertility
• 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
• 👛 Salary Sacrifice Pension Scheme up to 7% match
• 🏖️ 28 days holiday (plus bank holidays)
• 📖 Annual Learning and Wellbeing Budget
• 👪 Enhanced Parental Leave
• 🚲 Cycle to Work Scheme
• 🚂 Season Ticket Loan
• 💬 6 free therapy sessions per year
• 🐶 Dog Friendly Offices
• 🍫 Free drinks and snacks in our offices
• Check out more of our benefits, values and mission here
• Other Info
• 👍Check out our ‘Top Tips’ for interviewing.
• ✔️Keep updated on new job opportunities by following us on Linkedin.
• 📧Email careers@capitalontap.com if you have any questions.
• Excited to work here? Apply!
• If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)