Credit Underwriter

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

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

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.

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