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!
The role
As a Senior Decision Engineer, you’ll be a key member of our IT department's decisioning team. We own and manage the decisioning platform (GDS), where we implement customer flows, policy rules, and scorecards. You will play a crucial role in ensuring we make accurate decisions for all new applications by working closely with various teams across the company.
You should be a highly analytical and detail-oriented individual with the ability to understand and align your work with the broader business strategy. You will be expected to quickly learn new technologies and thrive in a collaborative team environment.
This position is an excellent opportunity to take on significant responsibility, lead key projects, and directly impact the success of our underwriting processes within the fast-paced financial services industry.
What you’ll be doing
* Lead the full development lifecycle from design to implementation of our decisioning platforms.
* Architect and maintain underwriting rules, ensuring they are robust, scalable, and aligned with business objectives, regulatory requirements, and industry best practices.
* Design and implement advanced monitoring and alerting systems to ensure the integrity and performance of automated decisioning.
* Collaborate proactively with Data Science, Credit, and Business Operations teams to define requirements and implement complex updates to decisioning logic.
* Serve as a subject matter expert, working with wider IT and Engineering teams to shape data architecture and ensure the availability of reliable data for underwriting.
* Conduct in-depth analysis to identify, troubleshoot, and resolve decisioning anomalies and underlying issues.
* Drive the continuous optimisation of our underwriting and decisioning processes through data-driven insights and strategic initiatives.
We're Looking For
* 4+ years of experience working with decision engines, within the financial services or FinTech industry (examples include GDS Link, Experian Powercurve and Provenir).
* Strong proficiency in data manipulation and a solid working knowledge of Python is essential. You should also have experience with SQL and a desire to learn other relevant languages like LUA.
* Proven ability to independently solve complex problems and deliver effective, end-to-end solutions.
* A proactive and curious mindset with a track record of identifying opportunities for improvement.
* Excellent communication and stakeholder management skills, with the ability to present complex technical information clearly to both technical and non-technical audiences.
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 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
* 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
Check out more of our benefits, values and mission here.
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.)
UK DE&I Data
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.
In order to remain committed to our goal, we need to 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. We would encourage you to help us by filling in the form below.
All of the questions we ask are optional and will not affect your application. You don't have to share this with us and we won't consider it as part of your application. If you choose not to share this info, it won't impact your application in any way.
What gender do you identify with Select...
What is your age? Select...
What is your ethnicity? Select...
Do you consider yourself to have a disability or health condition? Select...
#J-18808-Ljbffr