Job Description

We're Capital on Tap

Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?

We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.


This is a Hybrid role, the Credit Strategy team work from our London office 3 days per week.

Credit Strategy

at Capital on Tap

This team is responsible for our Credit Risk frameworks, using innovative monitoring, cutting-edge model development, and strategic insights to ensure we make the right lending decisions. The team is involved in all aspects of the credit lifecycle from designing policies and developing scorecards, to ongoing portfolio monitoring and performance optimisation. They work closely with the Decision Systems, Commercial and Underwriting areas of Capital on Tap - to name just a few!

What You'll Be Doing

Developing and enhancing our Credit scorecards, Risk models, and analytical frameworks that will empower our lending decisions. Helping us deliver robust monitoring and insights into portfolio performance, while identifying exciting opportunities for optimisation. Implementing and refining Credit Policy changes that align perfectly with our Risk appetite and business objectives. Collaborating with our amazing stakeholders across Data Science, Product, and Operations to create seamless end-to-end solutions. Supporting our team by sharing knowledge, reducing key-person risk, and promoting cross-functional skill development.

We're Looking For

Experience building and keeping Credit models and scorecards in good shape. Expert in Python and SQL and the necessary statistical methods. The person who catches the little details! You enjoy diving into complex problems and finding smart, data-driven solutions that actually work in the real world. You're all about hitting deadlines, taking ownership, moving fast when needed, and supporting a team culture where we give each other honest, helpful feedback. Results that don't just improve our product, but also help us scale successful ideas quickly, always keeping our growth financially healthy and sound. A proactive team player who loves to collaborate and help build a team that's versatile, resilient, and ready for anything!

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

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.

Interview Process

First stage: 30 minute intro and values call with Talent Partner (Video call)

Second stage: 45 minute CV overview with Hiring Manager (Video call)

Final stage: 60 minute technical assessment and final interview (In person)

Other Info

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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.)