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!
Manchester | 3 days per week in office
Role Overview
You will be the first person in our brand new payments and cards team at Capital on Tap. You will be responsible for the execution, reconciliation, and troubleshooting of multi‑currency payment rails and card infrastructure across the US and UK markets.
Responsibilities
* Take full accountability for architecting and running our newly created Payment Operations department in a fast paced environment, converting strategic business goals into a nimble, highly efficient, and customer‑centric operational reality.
* Manage daily transaction workflows, clearing real‑time payment queues and resolving exceptions across Faster Payments and CHAPS infrastructure to maintain optimal intraday liquidity and uninterrupted payment flows.
* Manage and scale card operations, taking frontline accountability for physical/virtual card delivery, payment recalls, and the end‑to‑end offline payment chargeback dispute pipeline.
* Oversee the operational execution of the UK Direct Debit scheme, ensuring robust controls are in place to manage the indemnity claim process efficiently while protecting business balances.
* Build and oversee strong control frameworks to reduce financial loss and operational risk.
* Act as the primary operational contact for critical partners (ClearBank, Pay.UK), driving daily scheme compliance, monitoring infrastructure health and resolving complex transaction bottlenecks.
* Define and track KPIs to measure performance.
* Serve as the final frontline escalation point for payment system outages or processing drops, driving quick resolution and conducting post‑incident reviews to prevent future issues.
Requirements
* Substantial leadership experience in financial services and card/payments scaling, with deep structural knowledge of UK and US domestic clearing systems (Faster Payments, CHAPS, Fedwire, ACH) and frontline settlement mechanisms, specifically optimised for high‑velocity, high‑value business and corporate transactions.
* An adaptable and pragmatic leader with a hands‑on, solutions‑driven approach to problem solving.
* A proven track record of leading high‑performing teams in a fast‑paced environment.
* An analytical thinker skilled in interpreting complex data and driving evidence‑based decision‑making.
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.
Benefits
* Private Healthcare including dental and opticians services through Vitality
* Worldwide travel insurance through Vitality
* Anniversary Rewards (£250, £500, £750, 4‑week fully paid sabbatical)
* Salary Sacrifice Pension Scheme up to 7% match
* Octopus EV Salary Sacrifice Scheme
* 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
Equal Opportunity
At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves. We analyse and identify where we need to take steps to make positive impact. The first step in this process is gathering anonymous data on our candidates.
If you are interested in this role, please apply through our career site.
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