---
title: 'Engineering Team Lead at Capital on Tap'
canonical: 'https://feeny.ai/job/engineering-team-lead-capital-on-tap-london-tmdnzyesk5g9'
type: 'job'
last_seen: '2026-09-10'
---

# Engineering Team Lead at Capital on Tap

- **Company:** Capital on Tap
- **Location:** London, United Kingdom
- **Posted:** 2025-03-05
- **Last confirmed live:** 2026-09-10
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/7895618002

## Job description

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 London (Moorgate) Offices 2 days per week.

This is a multiple headcount role, so please don't be put off if you've seen this advertised for a while.

## What You’ll Be Doing

As an Engineering Team Lead you build and lead a high-performing, healthy engineering team. You own the delivery of your team's quarterly objectives, the growth of your direct reports, and the day-to-day culture that lets great work happen.

You stay hands-on, but your impact comes through your people and what the team delivers. You build a team that stays successful without you needing to step in.

- Provide mentorship, constructive feedback, and foster a culture of collaboration and continuous improvement
- Address underperformance decisively and advocate for your reports in calibration and promotion
- Motivate the team, remove blockers, and track performance to ensure accountability
- Work closely with Product, QA, and Technical Leaders to align on strategy and execution
- Ensure clear, open communication in remote, hybrid, and in-person settings
- Identify and mitigate risks, addressing challenges proactively
- Own the holistic health of your team across people, process, and quality
- Stay hands-on in software development, guiding engineers at a technical level
- Advocate for the customer, balancing customer, team, and business needs in your decisions

We’re Looking For 🔎

- A track record of leading and delivering complex projects
- Experience leading or mentoring engineers, and the appetite to own the full management remit, from hiring and development through to the harder people conversations
- Extensive commercial experience with C# & .Net
- Strong technical background in modern software development practices and cloud-based scalable architecture
- A customer-focused, commercially aware and data-informed approach to your decision making
- Ability to manage cross-team dependencies, collaborating effectively with Product, QA, and other stakeholders

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 opticians 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](https://www.capitalontap.com/en/company/careers/).

Interview Process 🤝

- First stage: 30 minute intro call with Talent Partner
- Second stage: 60 minute "Tech Chat" & Values Interview with the 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 (onsite)

Other Info 👍Check out our [‘Top Tips’ for interviewing.](https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/) ✔️Keep updated on new job opportunities by following us on [Linkedin](https://www.linkedin.com/company/capital-on-tap). 📧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.)

## About Capital on Tap

## Company Overview
- **One-liner**: Capital on Tap provides fast, accessible business credit cards and savings accounts to small and medium-sized businesses, using proprietary technology to streamline funding and expense management.
- **Entity Type**: Private (Venture Capital-backed)
- **Headquarters**: London, UK (Global HQ); Atlanta, USA (US HQ); with additional offices in Cardiff, Manchester, Brighton, New York, and Porto.
- **Founded**: 2012
- **Founders**: David Luck (Executive Chairman) and Damian (CEO, current)

## Core Business
- **Primary industry**: Fintech – Small Business Lending, Business Credit Cards, Business Savings.
- **Target customers**: B2B – Small and medium-sized business owners, entrepreneurs, freelancers, and contractors in the UK and US.
- **Mission or purpose statement**: "Make running a small business as easy as possible." [capitalontap.com](https://www.capitalontap.com/en/company/about/)

## Products & Services
- **Business Credit Card**: A purpose-built credit card for small businesses offering credit limits up to £250,000, unlimited 1% cashback on all spending (redeemable for cash, Avios, gift cards, or against balance), no annual fees, no FX fees, and no ATM fees. Integrates with accounting software and allows issuance of cards to employees and directors. [capitalontap.com](https://www.capitalontap.com/en/)
- **Business Savings Account**: Launched in 2025, powered by ClearBank. Offers competitive interest rates with instant access, no fees, and no deposit restrictions. Complements the credit card to provide a full cash management solution. [capitalontap.com](https://www.capitalontap.com/en/company/about/)
- **Preloading**: A feature allowing businesses to preload funds onto their card for tighter spend control.
- **Team Management**: A feature for managing employee cards, setting limits, and tracking spending.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company).
- **Key Metric**: Has provided over **£20 billion** in funding to more than **200,000 small businesses** across the UK and US (as of 2025). [capitalontap.com](https://www.capitalontap.com/en/company/about/)
- **Notable Investors/Partners**: Partner banks include **WebBank** (for US card issuance) and **ClearBank** (for savings accounts). The company has also raised venture capital, though specific lead investors are not repeatedly named in public materials.
- **Growth Signals**:
    - Named by the **Financial Times** as one of the **Fastest Growing Companies in Europe for 5 consecutive years**.
    - Expanded from UK to US in 2021, and opened new offices in Porto, Manchester, and New York.
    - Launched a new savings account product in 2025.
    - Hit £20 billion in total funding to customers in 2025.
    - Ambition to partner with **1 million businesses by the end of 2025**. [greenhouse.io](https://job-boards.greenhouse.io/capitalontap/jobs/8498232002)

## Competitive Advantages
- **Proprietary Underwriting**: A bespoke, automated underwriting system that allows for quick applications and funding approvals, reducing friction for small businesses.
- **All-in-One Platform**: Combining credit and savings in one place, with integrated accounting software connections, rewards, and team management tools.
- **No-Fee Model**: No annual, FX, or ATM fees is a strong differentiator in the business credit card market.
- **Customer-Centric Focus**: 24/7 UK-based customer support and a mission built entirely around solving small business pain points.
- **Strong Track Record**: Over a decade of lending, with a proven model and a large, growing customer base.

## Strategic Focus
- **Product Expansion**: Deepening the suite of financial tools for small businesses (e.g., adding savings accounts in 2025).
- **Geographic Growth**: Continuing to scale in the US market while strengthening UK leadership.
- **Technology & Automation**: Investing in AI and data science to improve risk management, fraud detection, and customer experience (evidenced by hiring for AI Operations, Data Science, and Engineering roles).
- **Customer Acquisition**: Targeting the ambitious goal of 1 million business partners.

## Why Work Here
- **Culture & Values**: Emphasizes ownership ("Spotted something that could be done better? Great! Tell us about it, own it, and get it done"), continuous learning, and a "pilot" mentality (testing new ideas). Values include: "Fast is as slow as we go," "Take ownership and raise the bar," and "Keep things simple."
- **Learning & Growth**: Provides a **$1,250 annual learning budget** per employee for conferences, courses, subscriptions, and books. Strong focus on internal mobility and career development. [capitalontap.com](https://www.capitalontap.com/en/us/company/careers/)
- **Office Life & Perks**:
    - Free breakfast, snacks, and drinks daily.
    - Offices in central, accessible locations (e.g., Midtown Atlanta, London).
    - Regular social events run by a "Happy Club" (quiz nights, scavenger hunts, summer parties).
    - Employee-led clubs (book club, gaming club, sports teams, LGBTQIA+ group).
- **Benefits**:
    - 20 days PTO, plus enhanced paid holidays.
    - **4-week paid sabbatical** after 4 years of service.
    - 401k with company match (US: 100% match on first 3%, 50% on next 2%).
    - Health, dental, and vision coverage.
    - Pet insurance, legal aid, and free therapy sessions.
- **Work Model**: Hybrid/office-based roles advertised across multiple locations (London, Cardiff, Manchester, Brighton, New York, Porto). The company has a strong office presence.
- **Diversity & Inclusion**: Active employee resource groups and events for Black History Month, Pride Week, International Women’s Day, etc.

## Sources
1. [capitalontap.com - About Us](https://www.capitalontap.com/en/company/about/)
2. [capitalontap.com - Careers](https://www.capitalontap.com/en/us/company/careers/)
3. [capitalontap.com - Main Site](https://www.capitalontap.com/en/)
4. [greenhouse.io - Jobs at Capital on Tap](https://job-boards.greenhouse.io/capitalontap)
5. [greenhouse.io - Job Description Example](https://job-boards.greenhouse.io/capitalontap/jobs/8498232002)

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