Credit Underwriter

We’re Capital on Tap 👋
💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

📈Check out the development opportunities in the Credit Underwriting team.

🏡🏢This is a Hybrid role, the Credit Underwriting team work from our London (Shoreditch) Offices 3 days per week.

What You’ll Be Doing
Underwriters are at the heart of Capital on Tap as they allow us to grow our portfolio whilst keeping bad debt within appetite.

✨Review lending applications and financial data for decisions.
✨Performing credit reviews on our back book customers
✨Helping to facilitate change in underwriting strategy and structure
✨Interacting with internal teams for credit decisions
✨Facilitating Risk initiatives and pilots by reviewing credit data
✨Conducting periodic reviews of individual bad debts

We’re Looking For
✨1+ years’ underwriting experience with a minimum of 6 months’ mandate (secured or unsecured)
✨A broad understanding of how businesses operate
✨Demonstrate best practises in Responsible Lending
✨You’ve already worked in a fintech or for a high-growth business
✨An ability to work autonomously
✨An ability to use an analytical approach to problem-solving

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
🏖️ 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.

Other Useful Info
🤝Interview Process:
🤝First stage: 30 minute intro and values call with Talent Partner (Video call)
🤝Second stage: 30 minute CV overview with Team Manager (Video call)
🤝Final stage: 2 hour technical assessment and meet and greet the team (with future peer and Department Lead) (In person)

Other Info
👍Check out our ‘Top Tips’ for interviewing.
✔️Keep updated on new job opportunities by following us on Linkedin.
📧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.)