Capital on Tap believe that the future is all about the impact that small businesses can have in the world. As such we are on a mission to help them thrive – cash flow shouldn’t be a barrier to success.

Since launching our business credit card and business loans in 2017 we have been taking off like a rocket! We are one of the fast growing companies in the UK (Sunday Time Fast Track 100 in 2017 and 2018) while still posting a profit to fund our future growth. 2019 looks to be just as exciting (and busy!) as we continue on our incredible trajectory.

Our people (and our office dogs) really are the best thing about working at Capital on Tap. We have built a dynamic, fun and vibrant culture where your opportunities for growth are as big as your ambitions.

The Role

Responsible for Data Analytics, Treatment Strategy, Vulnerable, Fin Diffs, QA, Outcomes, Complaints and DCA relationships Managing a revolving credit portfolio in excess of £130Million. You will own the collections strategy and initiate pilots and process changes to improve our bad debt. Reporting to the Head of Risk, you will be the subject knowledge expert on collections using analytics to drive change and improvements that lead to us achieving our Gross Margin target. You will be responsible for setting targets for the Client relationship manager and the two client support staff who collectively manage the DCA and collection outsourcing partnerships.

What you'll be doing

  • Analysing current bad debt (both analytical analysis and in-depth account level reviews to complete root cause analysis)
  • Monitoring and reporting using PowerBI on the performance, both in terms of customer outcomes, DCA partnership performance and overall collection rates
  • Conduct Initiate pilots in-amongst the team monthly to test new methods, processes and systems to maximise returns
  • Constantly iterating and improving our collections strategy and processes with the IT team to design, develop and effectively deliver scalable world class collections processes
  • Build on our current DCA relationships, develop and monitor the best KPI’s to ensure our partnerships are valuable and compliant and appropriately focussed
  • Conduct internal compliance reviews on outsourced call centres and work with the Compliance team to ensure any breech’s are discovered and corrected in a timely manner
  • Remain vigilant with FCA regulations and legislation to plan for updates to our collections strategy, policy and processes as necessary
  • Support direct report(s) with day to day administration, escalations, and assisting their drive of process improvements through pilots, problem solving & acting upon ideas

What we are looking for

  • You have strong analytical skills including experience optimising the effectiveness of collections strategies, to establish and maintain accurate and timely reporting to be delivered internally and externally to reflect the overall performance on a monthly basis.
  • Effective communication at all levels, able to explain strategy to senior managers, facilite and lead direct reports while gaining buy-in from external partners and other departments stakeholders across the business (e.g. Operations, Customer Service and Product)
  • You’re self-motivated, highly organised and focussed on impact and results over processes
  • You’re comfortable with ambiguity and can think from first principles
  • You’re happy taking an MVP approach and doing what’s good enough for now
  • You have a deep understanding of how collections work, including regulation, useful tools and powerful strategies
  • Management experience, developing staff in a target driven environment
  • You’re happy taking an MVP approach and doing what’s good enough for now

What you get in return

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. In addition to a great environment in a buzzing location we also offer:

  • £50k - £60k
  • Excellent progression and opportunity to grow and develop – we give every employee £1,000 a year to grow their skills outside the company
  • Private healthcare
  • 28 days paid holiday
  • Travelcard loan and/or cycle to work scheme

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