Full-Time
Technical Finance Assistant
Capital on Tap
1,001-5,000 employees
SME-focused business credit cards & funding
No salary listed
Cardiff, UK
Hybrid
Three days on-site per week required in the Cardiff office.
 Finance & Banking |
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- A keen eye for accuracy and consistently delivers high-quality, dependable work, with meticulous attention to detail critical to the accuracy of financial processes.
- The ability to quickly grasp new processes and systems, demonstrate a proactive approach to learning on the job, and remain open to new ideas and processes.
- A deep understanding of the technical aspects of financial processes.
- The ability to identify inefficiencies, recommend solutions, and implement improvements to increase accuracy and customer satisfaction.
- The ability to work effectively with other operational teams and meet Service Level Agreements.
- A commitment to maintaining high standards across financial operations.
- An understanding of the impact of the work on customer experience and motivation to contribute positively.
- Own manual money movement processes, taking full responsibility for critical financial tasks such as BillPay, customer refunds, and safeguarding.
- Champion operational excellence by prioritising accuracy and producing consistent, high-quality work.
- Become a subject matter expert on the company’s financial processes, understand their intricacies, and stay informed about updates.
- Regularly review and improve manual processes to enhance efficiency and accuracy, and propose and implement streamlining changes.
- Collaborate with other operational teams to ensure processes meet Service Level Agreements, including customer outreach across departments.
- Ensure accurate and timely processing of customer bills through BillPay.
- Manage risk and operations processes related to transferring Rewards points to customer bank accounts through redemptions.
- Ensure all processes related to safeguarding customer funds are executed precisely and within Service Level Agreements.
- Ensure unsuccessful drawdowns are returned, calculate interest to be refunded within Service Level Agreements, and communicate decline reasons to customers to improve understanding and minimise repeat contact.
- Identify customers who can be added to preloading and present the data for action by the Fraud team.
- Lead a new company pilot offering drawdowns to US customers, understand US regulatory compliance and timescales, and use software to process US payments effectively.
- Oversee the processing of customer refunds efficiently and accurately.
- Manage the allocation and refunding of unallocated cash to customers promptly and correctly.
- Handle processes related to the sale of debt in compliance with relevant procedures and regulations.
- Willingness to learn and ideally some familiarity with data analysis tools such as Looker and Snowflake.
- Strong proficiency in Excel or Sheets.
Capital on Tap provides business credit cards and working capital to SMEs in the US and UK. Its main product is a high‑limit business card used for various expenses, with revenue from interest on credit lines and likely card interchange; it also leverages funding facilities and partners with banks (e.g., ClearBank) to offer savings accounts. The company distinguishes itself by targeting SMEs with a range of financing options and collaborative products that broaden its financial toolkit across two countries. Its goal is to help small businesses manage money and access affordable funding to operate and grow.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
$4.1B
Headquarters
London, United Kingdom
Founded
2012
Get referred to Capital on Tap
See people who can refer or advise you
Simplify's Take
What believers are saying
- Dojo opened a new SME distribution channel with instant virtual cards and cashback in March 2026.
- ClearBank savings and GoCardless VRPs increase sticky deposits and repayment convenience.
- Plaid and GDS Link integrations improve underwriting speed, approvals, and risk-model iteration.
What critics are saying
- Ombudsman case DRN-5069971 in 2025 exposed card-fraud refund friction and system trust issues.
- Complaints processes and FCA timelines signal recurring operational stress and customer-service burden.
- Dependence on securitisation and partner banks creates existential refinancing risk if funding windows close.
What makes Capital on Tap unique
- Capital on Tap hit £1.2 billion Master Trust funding in May 2025.
- Dojo partnership in March 2026 embeds co-branded cards directly into merchant sales workflows.
- Instant Savings crossed £1 billion deposits in January 2026, deepening customer wallet share.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Private Healthcare
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Flexible Work Hours
Remote Work Options
Hybrid Work Options
Paid Vacation
Paid Holidays
Sabbatical Leave
Annual Learning and Wellbeing Budget
Parental Leave
Family Planning Benefits
Fertility Treatment Support
Cycle to Work Scheme
Season Ticket Loan
Mental Health Support
Therapy sessions
Wellness Program
Gym Membership
Phone/Internet Stipend
Home Office Stipend
Pension Scheme
Career development budget
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -1%2 year growth
↑ 0%Capital on Tap, a UK-based FinTech, has expanded its funding structure by securing £650 million, bringing its Master Trust facility to £1.2 billion. The funding round included new partnerships with SMBC Group, Société Générale, and Lloyds, with HSBC playing a key role. This expansion aims to optimize funding flexibility and growth for Capital on Tap, which provides credit cards and financing solutions to small businesses in the UK and US.
Capital on Tap has secured an additional £650 million in funding, expanding its Master Trust facility to £1.2 billion. This funding involves new partnerships with SMBC Group, Societe Generale, and Lloyds, enhancing support for small businesses. The expansion will help Capital on Tap scale operations and continue providing financial solutions to over 200,000 small businesses, with more than £20 billion in spending facilitated through its business credit cards.
Flexys, a leading provider of real-time debt management software, announced a new partnership with Capital on Tap, a fast-growing provider of business credit cards and spend management tools for small businesses. This collaboration aims to streamline Capital on Tap’s debt collection processes, improve operational efficiencies, and significantly enhance the customer experience through advanced self-service capabilities.Driving innovation in debt collection with scalable self-service technologyCapital on Tap sought a scalable solution that would empower its customers to manage their accounts more effectively, while also optimising internal collection processes. Flexys’ out-of-the-box collections solution was selected for its ability to deliver rapid value and a measurable return on investment.Automating collections to boost efficiency and recovery ratesFlexys’ software will automate and digitise Capital on Tap’s collections, enabling the company to significantly increase operational efficiency and debt recovery rates, and support their growth. The solution includes a comprehensive customer self-service portal, alongside core collections functionality.Proven results: enhanced collection outcomes and reduced complaintsFlexys’ clients have reported impressive results, including collecting up to three times more debt, increasing team capacity tenfold, and experiencing a 25% reduction in complaints. This partnership is expected to deliver similar positive outcomes for Capital on Tap.Executive insights: a shared vision for customer empowermentMark Porter, Head of Collections at Capital on Tap commented: “At Capital on Tap, we are committed to empowering small businesses with tools that simplify financial management. Partnering with Flexys allows us to take this commitment further by providing a seamless and innovative debt collection experience
Capital on Tap, a leading all-in-one small business credit card and spend management platform, has selected bank payment company GoCardless to provide Variable Recurring Payments (VRPs) through its open banking feature, Instant Bank Pay. This expands a relationship which began in 2014, when Capital on Tap first selected GoCardless for Direct Debit. Capital on Tap will use GoCardless to collect both one-off and recurring payments, enabling them to offer greater payment flexibility to their small business customers. Capital on Tap customers will be able to repay their credit cards on a monthly basis using Direct Debit, and have the option to make weekly repayments and recurring payments for variable amounts through open banking. Damian Brychcy, CEO of Capital on Tap, said: “We’ve worked with GoCardless for over a decade, collecting more than £2.5bn in Direct Debits with over £15m saved in card fees. Given these successes, it made sense to choose GoCardless for open banking payments — not only building on our strong relationship but also benefitting from the convenience of collecting both recurring and ad hoc payments through one trusted provider
Capital on Tap has secured major funding facilities for its card totalling £750 million to fuel expansion and support for small businesses