---
title: 'Team Lead Software Engineer at Capital on Tap'
canonical: 'https://feeny.ai/job/team-lead-software-engineer-capital-on-tap-lisbon-ey9wd5bysqq9'
type: 'job'
last_seen: '2026-09-17'
---

# Team Lead Software Engineer at Capital on Tap

- **Company:** Capital on Tap
- **Location:** Lisbon, Portugal
- **Posted:** 2026-09-10
- **Last confirmed live:** 2026-09-17
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/8795329002

## 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!

We opened our first Portuguese office in Porto in autumn 2025, and in less than a year it has grown to a team of 50. Lisbon is the next step. We're opening our first office in the city and looking for engineers to join as founding members of the team, helping shape how we build, hire and work here from day one.

🏢The role starts out fully remote. Once our Lisbon office is open, it will move to a hybrid set-up of two days a week on site.

Salary: €70,000 - 90,000

## 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: 60 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)

🏖️ 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.](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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