Running a business is hard, we make it easier. We provide an all-in-one business credit card & spend management platform, built for SMEs. Over 200,000 small businesses have spent more than £8 billion on their Capital on Tap Business Credit Cards.

Collections Officer - Midnight Team

The Collections department is responsible for minimising bad debt and supporting our customers in financial difficulties, ultimately ensuring a fair customer outcome at all times. Reporting to our Collections Team Lead, you will work directly with customers and external parties to help Capital on Tap maximize our recovery strategy, reduce bad debt and ensure our most vulnerable customers receive the care and attention they need in difficult times for them and their business. You'll be joining our Midnight team, working 3:30pm - midnight, Monday - Friday.You'll be working from our Office in Cardiff and after training the role would be hybrid, 2 days in office and 3 days from home.

Interview process 

The initial call will be our values based interview with a member of the Talent Team. If you're successful we'll invite you to meet with our Collections Team Leaders at our office in Cardiff. 

Training 

Your first 6 weeks will be training, between the hours of 9am-8pm Monday-Friday. This will be a mixture of classroom based training, buddying and training as you go.

Responsibilities

  • Responsible for outbound and inbound calls and emails, responding to a wide variety of customer arrears issues and concerns quickly and professionally
  • Using your experience in collections and hardship/vulnerable customer circumstances, negotiate positive outcomes for customers while gaining a good understanding of their financial position and ability to repay
  • Preparing responsible settlements and arrangements that are affordable and sustainable for our customers as well as within our constantly evolving collections and recoveries strategies.
  • Undertake all collections activities in accordance with the required regulations including Treating Customers Fairly, the Consumer Credit Act, CONC as well as our internal company policies and guidelines

What we are looking for 

  • Collections experience ideally
  • Experience dealing with vulnerable customers 
  • Working in a regulated environment 
  • Someone able to dig deeper, ask questions and find the route cause of the problem 
  • Resilience 
  • Passion for the customer journey 
  • Empathy  

What you'll get in return

💷  Starting salary £28,000
🏥  Private Healthcare, Worldwide Travel  Insurance and Dental Cover through Vitality
🎁  Anniversary Rewards (£250, £500, £1000, 4-week fully paid sabbatical)
👛  Salary Sacrifice Pension Scheme up to 7% match
🏖️  28 days holiday (plus bank holidays) (pro rata) 
📖  Annual Learning 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

We place a huge emphasis on continual learning and have created an environment where this is possible every day. Internal mobility is important to us and our goal is to help every employee realise their aspirations. Why not check out here what you need to do to progress in this role at Capital on Tap.

 

Check out more of our benefits, values and mission here. 

If you want to keep updated on future opportunities at Capital on Tap follow our company page here.

Diversity and Inclusion

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 welcome, consider and encourage applications from anyone that shares this passion.

How to Apply

If you want to progress your career within a fast growing, profitable fintech then click apply (all we ask for is your CV and contact details) and we will get back to you within 3 working days

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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.

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