---
title: 'Software Engineer - AI at Capital on Tap'
canonical: 'https://feeny.ai/job/software-engineer-ai-capital-on-tap-london-ze08450hcqyz'
type: 'job'
last_seen: '2026-10-15'
---

# Software Engineer - AI at Capital on Tap

- **Company:** Capital on Tap
- **Location:** London, United Kingdom
- **Posted:** 2026-07-31
- **Last confirmed live:** 2026-10-15
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/8660309002

## 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, the AI team work from our Moorgate (London) Offices 2 days per week.

AI Product Engineering at Capital on Tap

We are a small but highly empowered team with the overall goal of enabling the Engineering and Product teams to effectively use AI to deliver high-quality products and services faster to better serve our customers. Our responsibilities include improving speed of engineering delivery, making AI tooling and skills easily and widely available to the entire business, creating agents to perform tasks across a wide range of functions, and general oversight of engineering AI initiatives.

## What you will be doing

This is a software engineering role first and foremost, with a focus on agentic systems, agentic orchestration and supporting technical teams in using AI

This is the type of work you will be doing:

- Developing agentic systems and orchestration layers to help us ship faster.
- Building “AI on Tap”, Capital on Tap’s internal AI enablement hub. It is the single place to see every AI agent the company runs, the cost of each one, how ready each codebase is for AI-assisted development, and how to get more value from Claude and other providers.
- Working with QA and Platform to integrate agentic testing and verification tools across our pipeline to deploy faster
- Owning build-vs-buy recommendations, from evaluation through to team buy-in
- Whatever it takes to reach an agentic future — tech debt, CI/CD, the unglamorous work that unblocks everything else

We’re Looking For 🔎 Required skills:

- Hands-on experience in C#, .NET
- Good testing practices, in both Unit and Integration testing
- Experience building agentic systems
- Experience in driving initiatives across engineering teams
- A focus on delivering concrete, measurable results
- A proactive, supportive, and collaborative team player

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