Capital on Tap

• Engage directly with customers to negotiate repayment plans • Analyse financial situations to create tailored solutions • Ensure adherence to GDPR, FCA, and FDCPA regulations • Handle customer complaints and resolve conflicts effectively • Prioritize multiple tasks while maintaining high-quality standards • Work with internal and external teams to support customer outcomes

Team Lead Software Engineer Location: Porto (Matosinhos), Portugal Work Arrangement: Hybrid (2 days per week in the Porto office) Employment Type: Full-time We’re Capital on Tap Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. 1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! This is a Hybrid role, working from our Porto (Matosinhos) Offices 2 days per week. What You’ll Be Doing We're looking for an Engineering Team Lead to lead one of our product engineering teams here at Capital on Tap. This is a people-first leadership role. You'll be responsible for the growth, wellbeing, and performance of a team of engineers, while staying technically credible enough to shape direction, remove blockers, and raise the bar on quality. You won't be the best coder in the room; you'll be the person who makes the whole room better. If you're an experienced Team Lead Engineer looking to own a team in a scaling fintech, this role is built for you. What You'll Own Your team. Hiring, developing, and retaining engineers. Running 1:1s that actually matter. Spotting who's ready to grow and creating the space for them to do it. Delivery. Partnering with Product and QA to plan and ship reliably not by micromanaging, but by removing obstacles, managing risk, and keeping the team focused on what matters. Culture. Setting the tone for how the team communicates, gives feedback, and holds itself accountable. Building psychological safety without sacrificing standards. Technical credibility. You won't be heads-down in the codebase every day, but you'll understand the trade-offs your team is navigating architecture decisions, technical debt, build vs buy and contribute meaningfully to those conversations. What We're Looking For Leadership first. You've managed engineers before and have a point of view on what good looks like. You know how to have hard conversations, give developmental feedback, and motivate people. Technical foundation in .NET. Our backend is C#/.NET Core and you'll need enough depth to earn trust with your engineers, review decisions, and spot risks. You don't need to be across every layer of the stack you need to be honest about what you know and curious about what you don't. Product mindset. You think about engineering in the context of business outcomes, not just technical correctness. You can push back on scope, advocate for quality, and translate between engineering and non-technical stakeholders. Comfort with ambiguity. Capital on Tap is growing. Priorities shift. We want someone who creates clarity for their team rather than waiting for it. Nice to Have - Experience with Azure cloud development - Familiarity with React or other frontend frameworks - Background in financial services or fintech 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. Interview Process - First stage: 30 minute intro call with Talent Partner - Second stage: 45 minute "Tech Chat" & Values Interview with an Engineering Manager & People Partner - Third stage: 60 minute Code Pairing with our Engineering Team - Final stage: 60 minute Case Study with Product & Engineering + 60 minute Good to Great Interview with our CTO Great Work Deserves Great Perks Check out our benefits: - Private Healthcare through AdvanceCare - Anniversary Rewards (€280, €570, €860, 4-week fully paid sabbatical) - Paid Car Parking - 36 days holiday (inclusive of public holidays with public holidays carried over if they fall on a weekend) - Annual Learning and Wellbeing Budget - 6 free therapy sessions per year - Free drinks and snacks in our offices 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.)

• Providing friendly, professional support to customers via phone, email, and live chat • Resolving issues efficiently while taking full ownership of each case from start to finish • Listening carefully to understand concerns and delivering fair, practical solutions • Keeping up to date with products and policies to ensure accurate guidance and information is provided • Proactively identifying ways to improve the customer experience, from enhancing FAQs to suggesting process improvements • Recognising customers who may need additional support and ensuring they receive the help they need

• Building and maintaining the rules and logic that drive our automated customer decisions • Working with our Data Science, Credit, and Business Operations teams to understand what's needed and turn that into changes on the platform • Helping to monitor how our decisioning is performing and flagging anything that looks off • Investigating and fixing issues when decisions aren't behaving as expected • Contributing to improvements in how we work, based on data and your own observations • Collaborating with wider engineering and IT teams on data-related projects

Collections Officer Manchester We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  📈Check out the development opportunities in the Collections team. 📍 Manchester | 🏢 3 days in office, 2 from home (Fully office-based for the first 3 months)  ⏰ Shifts - 37.5 hours per week Monday - Friday between 8am - 8pm. What You’ll Be Doing In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence. - Engage directly with customers to negotiate repayment plans - Analyse financial situations to create tailored solutions - Ensure adherence to GDPR, FCA, and FDCPA regulations - Handle customer complaints and resolve conflicts effectively - Prioritize multiple tasks while maintaining high-quality standards - Work with internal and external teams to support customer outcomes We’re Looking For - Collections experience within financial services  - Strong communication skills, both verbal and written - Proven ability to manage challenging customer interactions - Experience using multiple communication platforms (email, SMS, etc.) - Ability and skills to handle difficult conversations and deliver a fair customer outcome 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 believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play. From a pool table and PlayStation to a few office dogs roaming around, we’ve created a space where you can relax and recharge. Check out the perks we offer: 💷 Salary range £27,000 - £34,000 depending on experience 🏥 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 Talent Partner (Video call) 🤝Final stage: 60 minute CV overview with Team Leaders (In person) 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.)