---
title: 'Product Manager at Capital on Tap'
canonical: 'https://feeny.ai/job/product-manager-capital-on-tap-london-chstza5p4t19'
type: 'job'
last_seen: '2026-10-15'
---

# Product Manager at Capital on Tap

- **Company:** Capital on Tap
- **Location:** London, United Kingdom
- **Posted:** 2026-08-03
- **Last confirmed live:** 2026-10-15
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/8670886002

## 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!

Location: London | 3 days in office

Product at Capital on Tap

Our Product team sits at the heart of everything we build. We move fast, work closely with engineering, and obsess over outcomes for our customers.

Product is organised into focused areas, each owning a distinct part of the customer and business journey:

- Money movements and Banking products - our business banking proposition
- Credit Products & Collections - credit lines, limits, pricing and collections
- Customer Experience - the ongoing relationship customers have with us after activation
- Operational Excellence - the tools and processes that make our internal teams more effective
- Acquisition & Onboarding - how new and existing customers sign up and get activated
- Fraud & FinCrime - protecting customers and the business from fraud and financial crime
- Platform - the shared capabilities and infrastructure that other product areas build on

We're hiring a Product Manager to join this team. We will decide, together with you, which of these areas is the best fit at the end of the hiring process - so you don't need to know in advance which team you'll land in. What matters is that you bring strong generalist product management skills that can flex across any of these areas.

## What You'll Be Doing

- Owning the end-to-end design and delivery of a customer or business journey within your product area
- Mapping the full journey including "unhappy paths", where customers drop off, get flagged, or need manual intervention, and optimising for efficiency
- Driving discovery and competitor research to identify opportunities for improvement
- Collaborating with engineers and designers to scope solutions, balancing customer experience with system architecture and compliance requirements
- Presenting recommendations to stakeholders and driving delivery through to completion
- Thinking longer-term about platform capabilities, building reusable, configurable components that scale rather than being rebuilt for every product
- Using data and customer insight to prioritise the right problems, not just the loudest ones

## What We're Looking For

- 2+ years of experience in product management, with a track record of owning projects end-to-end and delivering impactful outcomes rather than just outputs
- Comfort working across both front-end user experience and back-end system architecture
- Either existing knowledge of financial services and compliance concepts (for example KYC, KYB, IDV), or direct journey optimisation experience, ideally both
- Strong organisational skills to thrive in chaos and remain calm under everyday pressure of workload and delivery
- The ability to synthesise large amounts of information and distil a problem down to its essence
- Experience partnering with Product and Engineering to communicate direction to stakeholders
- High level of trust and strong judgment when making autonomous product decisions
- Subject matter mastery over your domain, with strong communication, facilitation, and end-to-end delivery ownership

Our Hiring Bar

Alongside the role-specific experience above, every Product Manager candidate is assessed against a shared set of traits that we look for regardless of level or product area.

Ships fast to customers - Gets things live quickly rather than over-polishing before release. Comfortable with iterative, incremental delivery.

Deals with ambiguity, adapts when priorities or requirements shift - Doesn't need a fully-formed brief to start moving. Handles the plan changing mid-flight without getting stuck.

Commercial acumen - Understands the business, the strategy, and how their product area drives outcomes such as revenue, retention or cost, not just delivery for its own sake.

Hungry to learn, no ego - Wants to develop, asks questions, takes feedback well.

AI curious - Actively uses or explores AI tools in their day-to-day work, rather than treating it as someone else's job.

Strong exec-level communication - Confident presenting up, comfortable being challenged, backs decisions with evidence rather than opinion.

Self starter - Moves without waiting to be told or chased. Takes ownership of problems even outside a strict brief.

Depth - Can go beyond the surface on their own product area - understands the mechanics, edge cases and trade-offs, not just the headline feature.

The bar for evidence scales with seniority, but the traits themselves don't change. We use this alongside role-specific technical and experience criteria at every stage of the process.

Interview Process

Stage 1: A quick 30-minute virtual intro with our Talent team to get to know you.

Stage 2: Meet a Senior/Lead Product Manager for 60 minutes. We can host you in the office or meet virtually.

Stage 3: A 60 minute office interview with 2-3 members of the wider Product team + a 30 minute Interview with the Director of Product.

Stage 4: A 30-minute chat with the CEO.

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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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/).

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)

## Other roles at Capital on Tap

- [Head of AI Enablement & Engineering](https://feeny.ai/job/head-of-ai-enablement-engineering-capital-on-tap-london-xth2wmfzvk8z) — London, United Kingdom
- [Financial Crime Compliance Specialist (Advisory)](https://feeny.ai/job/financial-crime-compliance-specialist-advisory-capital-on-tap-london-jstwe36cjy8j) — London, United Kingdom
- [Business Development Manager](https://feeny.ai/job/business-development-manager-capital-on-tap-brighton-hpncf0rxm8yb) — Brighton, United Kingdom
- [Fraud Investigator](https://feeny.ai/job/fraud-investigator-capital-on-tap-cardiff-c7tfgxp7t64s) — Cardiff, United Kingdom
- [Senior Database Engineer](https://feeny.ai/job/senior-database-engineer-capital-on-tap-london-p7rj26wvzzvp) — London, United Kingdom
- [Account Sales Executive](https://feeny.ai/job/account-sales-executive-capital-on-tap-brighton-j03r578gxcf8) — Brighton, United Kingdom
- [Head of Regulatory Compliance](https://feeny.ai/job/head-of-regulatory-compliance-capital-on-tap-london-wasszqwqqtc6) — London, United Kingdom
- [Cloud Platform Engineer](https://feeny.ai/job/cloud-platform-engineer-capital-on-tap-poland-4p38qp5wvaqq) — Poland
- [Senior Software Engineer - Database team](https://feeny.ai/job/senior-software-engineer-database-team-capital-on-tap-london-pe6skb6r7tcr) — London, United Kingdom
- [Lead Automation Engineer](https://feeny.ai/job/lead-automation-engineer-capital-on-tap-lisbon-b1xdmg2ehmj1) — Lisbon, Portugal