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.

What You’ll Be Doing

We are looking for an experienced risk specialist to step into a newly created CRO role to help spearhead our growth and ensure an optimal risk strategy. You will build out our core risk capabilities, from establishing risk appetite to being at the forefront of our credit and fraud strategies. The role requires continuous learning and improvements to optimise credit performance, forecasting, and tracking the performance of the portfolio.

This role will report directly to the CEO and be a vital part of our Leadership team. 

  • Heading up our global risk organisation and overall risk strategy with a heavy emphasis on credit risk and fraud risk
  • Leading our Credit, Data Science, Fraud and Compliance functions and building out our company-wide risk tolerance
  • Owning the development and optimization of our global credit scorecards 
  • Working closely with our Commercial and Product teams as we launch new product and new distribution channels from an “all things risk” perspective
  • Monitoring and reporting on risk to the Board as well as potential debt and equity investors

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 what you need to do to progress in this role at Capital on Tap here!

What we are looking for

  • Experience working in lending (consumer or business) with a strong preference for experience in credit cards
  • An “in the weeds” executive who wants to get into high levels of detail and feel true ownership
  • Quantitative, numbers-oriented but with the ability to combine detailed level analysis with strategic perspectives
  • Risk experience during an economic downturn
  • Great leader and team builder

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 optician 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
🏖️ 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 Head of People (Video)
🤝Second stage: 1hr interview with CEO (In person)
🤝Third Stage: 1hr interview with CCO & Head of Credit Analytics

Other Info

👍Check out our ‘Top Tips’ for interviewing.
✔️Keep updated on new job opportunities by following us on Linkedin.
📧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.)

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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.

 

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