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!
Location & Hybrid Working
This is a hybrid role, in our London (Moorgate) office 3 days per week.
Role Summary
Underwriters are at the heart of Capital on Tap as they allow us to grow our portfolio whilst keeping bad debt within appetite. You will review the decision engine's cases where judgement and context matter, challenge strategy, spot patterns the data team hasn't yet picked up, and bring decisions back into the room when something does not look right. Your role requires strong analytical insight and commercial lending expertise.
What You’ll Be Doing
* Review lending applications and financial data for decisions.
* Perform credit reviews on our back‑book customers.
* Help facilitate change in underwriting strategy and structure.
* Interact with internal teams for credit decisions.
* Facilitate risk initiatives and pilots by reviewing credit data.
* Conduct periodic reviews of individual bad debts to provide portfolio insight.
Qualifications
* At least 1 year’s underwriting experience with a minimum of 6 months’ mandate (secured or unsecured).
* Commercial lending experience; broad understanding of how businesses operate.
* Strong analytical instincts – read financials, spot inconsistencies, triangulate across data sources without being told.
* Demonstrated best practices in Responsible Lending.
* Experience in a fintech or high‑growth business.
* Ability to work autonomously.
* Genuine interest in why we do things, not just what the policy says.
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 or a 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
EEO Statement
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 do. 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.
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