---
title: 'Technical Finance Assistant at Capital on Tap'
canonical: 'https://feeny.ai/job/technical-finance-assistant-capital-on-tap-cardiff-8xdpjfq6vvdh'
type: 'job'
last_seen: '2026-09-09'
---

# Technical Finance Assistant at Capital on Tap

- **Company:** Capital on Tap
- **Location:** Cardiff, United Kingdom
- **Posted:** 2026-08-28
- **Last confirmed live:** 2026-09-09
- **Apply:** https://job-boards.greenhouse.io/capitalontap/jobs/8760192002

## 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 Technical Operations team work from our Cardiff Office 3 days per week.

🕝Working hours: Mon-Fri, 40hrs

Business Operations Team at Capital on Tap The Business Operations team is responsible for business-critical processes within Capital on Tap. Internally this role is known as a Technical Operations Officer. They focus on ensuring accuracy in financial tasks and promoting operational excellence. The team's main activities include owning manual money movement processes, promoting operational excellence, developing expertise, reviewing and improving processes, and collaborating with other operational teams and customer outreach.

## What You’ll Be Doing

In the role you will own manual money movement processes, taking full responsibility for critical financial tasks requiring high accuracy, such as BillPay, customer refunds, and safeguarding. You will champion operational excellence by prioritising accuracy and attention to detail, striving for consistent, high-quality output. Your role involves becoming a subject matter expert on the company's financial processes, understanding their intricacies, and staying informed about updates. You will regularly review and improve manual processes to enhance efficiency and accuracy, proposing and implementing streamlining changes. Collaboration with other operational teams is key to ensuring processes meet Service Level Agreements, which include customer outreach across departments.

Day-to-day duties and responsibilities include:

- BillPay: Ensuring accurate and timely processing of customer bills.
- Redemptions: Managing risk and operations processes related to transferring Rewards points to customer bank accounts.
- Safeguarding: Ensuring all processes related to safeguarding customer funds are executed with precision and within SLA.
- Drawdowns: Ensuring unsuccessful drawdowns are returned, calculating any interest that needs to be refunded within SLA, and communicate decline reasons to customers to ensuring their understanding and minimising repeat contact.
- Risk Control: Identifying customers who can be added to preloading and present the data for action by the Fraud team.
- US Cash Advances: Leading a new company pilot offering drawdowns to US customers, understanding US regulatory compliance and timescales, and utilising software to effectively process US payments.
- Customer Refunds: Overseeing the processing of customer refunds, ensuring they are handled efficiently and accurately.
- Unallocated Cash Refunds: Managing the allocating and refunding of unallocated cash to customers, ensuring it is done promptly and correctly.
- Debt Sale Operations: Handling processes related to the sale of debt, ensuring compliance with all relevant procedures and regulations.

We’re Looking For 🔎

- Exceptional Attention to Detail & Reliability: A keen eye for accuracy and consistently delivers high-quality, dependable work, with a meticulous eye for detail critical in ensuring the accuracy of all financial processes.
- Adaptability & Fast Learning: Quickly grasps new processes and systems, demonstrating a proactive approach to learning on the job, and being open to new ideas and processes.
- Technical expertise: Deep understanding of the technical aspects of financial processes.
- Process Improvement Mindset: Enthusiasm for identifying and implementing improvements to existing workflows, with the ability to identify inefficiencies and recommend solutions to improve accuracy and customer satisfaction.
- Collaboration: Strong teamwork skills to work effectively with other operational teams and meet SLAs.
- Operational Excellence: Commitment to maintaining the highest standards in all aspects of financial operations.
- Customer-Centric Approach: Understands the impact of their work on the customer experience and is motivated to contribute positively.

Nice to have:

- Data Analysis: Possesses a willingness to learn and ideally some familiarity with data analysis tools (e.g., Looker, Snowflake) and strong proficiency in Excel/Sheets.

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 🏥 Private Healthcare, including dental, hearing and optical 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

Interview Process

🤝 First stage: Call with a Talent Partner 🤝 Final stage: Task to be completed and interview with Team Manager. 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

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- [Senior Collections Team Leader](https://feeny.ai/job/senior-collections-team-leader-capital-on-tap-cardiff-qh1j5sx3a3cp) — Cardiff, 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
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