---
title: 'Senior Collections Team Leader at Capital on Tap'
canonical: 'https://feeny.ai/job/senior-collections-team-leader-capital-on-tap-cardiff-qh1j5sx3a3cp'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Collections Team Leader at Capital on Tap

- **Company:** Capital on Tap
- **Location:** Cardiff, United Kingdom
- **Posted:** 2026-09-08
- **Last confirmed live:** 2026-09-09
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/8785823002

## 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!

📈Check out the[development opportunities](https://progression.capitalontap.com/content/departments/collections/index.html) in the Collections team.

🏢Location: Cardiff. The first 3 months will be fully office based before moving onto our hybrid working pattern which will require 3 days in the office per week, 2 from home.

🏠37.5 hours per week, Monday to Friday 9am - 5:30pm.

💸Salary banding is £45k - £50k depending on experience

Senior Collections Team Leader We're looking for an experienced Collections leader to join our team and help shape a supportive, customer-focused culture. You'll work closely with colleagues to build trust, encourage collaboration, and help the team feel genuinely supported. As the most senior Collections leader on-site, you'll work alongside the Head of Collections and Senior Operations Manager, partnering on projects that improve customer experience and business outcomes.

## What You’ll Be Doing

- Support and develop a team of Team Leaders, Senior Agents and front-line staff, through regular coaching, mentoring and collaborative development conversations.
- Help build a customer-first culture together with your team, ensuring fair outcomes and compliance across all customer interactions.
- Work with data and technology to understand performance, spot risks early, and collaborate on improvements.
- Oversee specialist workstreams, working closely with colleagues on processes such as debt sale, risk resolution, and business change initiatives.
- Bring together a multi-channel, shift-based team serving both US and UK customers, nurturing trusted relationships with internal and external stakeholders.

We’re Looking For

- Extensive Collections experience in a multi-channel environment (outbound dialer, inbound calls, SMS, WhatsApp, web chat, email), ideally spanning UK and US markets in credit card or SME lending.
- Sound regulatory knowledge, including GDPR, FCA requirements, insolvency and the Equalities Act, along with a genuine commitment to supporting vulnerable customers through risk-sensitive situations.
- A track record of caring for and developing people - engaging and motivating teams across remote, hybrid and onsite settings.
- Good communication and analytical skills, with a collaborative approach to negotiating, and comfort managing high volumes, complex cases and performance challenges.
- An understanding of how technology and AI can support performance in a fast-paced, regulated environment, and enthusiasm for helping your team make the most of it.

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 🍫 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 and values call with Talent Partner (Video call) 🤝Final stage: 60 minute in-person interview with the Senior Collections Manager and Head of Collections 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

- [Junior People Operations Partner](https://feeny.ai/job/junior-people-operations-partner-capital-on-tap-london-wdna3ymqk3ys) — London, United Kingdom
- [Operational Training Specialist (Fraud & Financial Crime)](https://feeny.ai/job/operational-training-specialist-fraud-financial-crime-capital-on-tap-manchester-k40pw5w1dzjj) — Manchester, United Kingdom
- [Operational Training Specialist (Fraud & Financial Crime)](https://feeny.ai/job/operational-training-specialist-fraud-financial-crime-capital-on-tap-cardiff-fmymv37yrfkw) — Cardiff, United Kingdom
- [Senior Specialist Support Officer](https://feeny.ai/job/senior-specialist-support-officer-capital-on-tap-manchester-p8aw7nznv9b1) — Manchester, United Kingdom
- [Technical Finance Assistant](https://feeny.ai/job/technical-finance-assistant-capital-on-tap-cardiff-8xdpjfq6vvdh) — Cardiff, United Kingdom
- [Data Engineer](https://feeny.ai/job/data-engineer-capital-on-tap-london-8qh5a5vcgznc) — London, United Kingdom
- [People Director](https://feeny.ai/job/people-director-capital-on-tap-london-3m5bt3992yq2) — London, United Kingdom
- [Product Manager (Onboarding)](https://feeny.ai/job/product-manager-onboarding-capital-on-tap-london-chstza5p4t19) — London, United Kingdom
- [Collections Officer - Vulnerable Customer Team](https://feeny.ai/job/collections-officer-vulnerable-customer-team-capital-on-tap-manchester-8macxqr7rhg6) — Manchester, United Kingdom
- [AI Product Engineer](https://feeny.ai/job/ai-product-engineer-capital-on-tap-london-ze08450hcqyz) — London, United Kingdom