Credit Underwriter

Capital on Tap; London; Hybrid; GBP 35,000 - 45,000; Full time

Job summary

Capital on Tap is looking for an Underwriter to join their hybrid team in London. This role involves reviewing lending applications, managing risk, and working collaboratively to enhance underwriting processes while supporting over 200,000 businesses. Ideal for those with at least one year of underwriting experience, it offers a vibrant office environment and various employee benefits.

Benefits

Private Healthcare including dental and opticians services

Worldwide travel insurance

Anniversary Rewards

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

Dog Friendly Offices

Qualifications

• 1+ years’ underwriting experience with a minimum of 6 months’ mandate.
• Understanding of business operations.
• Experience in a fintech or high-growth business.

Responsibilities

• Review lending applications and financial data for decisions.
• Perform credit reviews on back book customers.
• Facilitate change in underwriting strategy.

Skills

Analytical Problem Solving

Autonomy

Responsible Lending Practices

Job description

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.

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

What You’ll Be DoingUnderwriters 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 For1+ 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 & InclusionWe 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 PerksWe 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)

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.)

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At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves.

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