Payment Ops Associate

Capi Money; Greater London; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A financial technology company is seeking a Payment Operations Associate in London. The ideal candidate will manage customer collections and supplier payouts, handle banking operations, and improve payment processes. Applicants should have 2–5 years of experience in operations or payments, be fluent in English, and care about supporting African businesses. This is a full-time role requiring 3 days in the office, offering competitive salary and benefits.

Benefits

Competitive salary

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Benefits

Qualifications

• 2–5 years of experience in operations, payments, or fintech.
• Comfortable owning operational processes end-to-end.
• Strong attention to detail, especially with financial matters.

Responsibilities

• Manage day-to-day customer collections and supplier payouts.
• Optimize payments through effective banks, currencies, and rails.
• Troubleshoot complex payment issues end-to-end.

Skills

Operations experience

Payments knowledge

Data handling capabilities

Fluent in English

Problem-solving mindset

Tools

Excel

Google Sheets

SQL

Job description

About the Company

Capi helps businesses in emerging markets pay their international suppliers quickly and efficiently. We’ve raised over $18m across Seed and Series A (Q4 2024) and are on a fast growth trajectory globally.

Capi was founded by Mitch Riley, Scott Liddle, and Tom Watson. Mitch and Scott were COO/CFO/GC and CRO/CMO at Taptap Send, a remittance unicorn, and have spent two decades between them working in emerging markets, and Tom is a career entrepreneur and founder.

Working in emerging markets is opening the door for us to have an economical impact on African markets by allowing businesses to pay suppliers and partners through our platform - we are currently live across Senegal, Ivory Coast, Cameroon, Kenya, Benin, Togo, Congo Brazzaville, and Mali, with many more coming soon.

Our team is made up of approx 70 people across 8 countries; we are a group of a highly-ambitious, get-it-done people, who like to work hard on something that has a tangible impact in the world. And we’re looking for more people to join our team!

About the Role

We’re looking for a Payment Operations Associate to sit at the heart of our money movement.

This is a hands‑on role for someone who loves the mechanics of payments: collecting funds from customers, routing payments through the most efficient rails, managing liquidity, and making sure money moves fast, reliably, and at the lowest possible cost.

You’ll work closely with our banking partners and internal teams to ensure our payment flows are smooth end‑to‑end — while continuously spotting ways to optimize collections, payouts, working capital usage, and routing logic.

Key Responsibilities

Payments & Collections Execution

• Own day‑to‑day customer collections and supplier payouts, ensuring funds are collected on time and payments are initiated accurately
• Route payments through the most effective banks, currencies, and rails to optimize for speed, cost, and reliability
• Ensure all payments are supported by the correct documentation and respond to bank queries as needed

Liquidity & Working Capital Optimization

• Track cash and currency balances across accounts to ensure liquidity is always in the right place at the right time
• Contribute to collection and payout forecasts, identifying risks and opportunities to improve our flow of funds
• Support ongoing efforts to optimize working capital usage and reduce idle or trapped funds

Payment Issue Resolution

• Troubleshoot complex payment issues end‑to‑end, working directly with suppliers, customers and banking partners
• Identify root causes (routing, documentation, timing, compliance, etc.) and implement fixes to prevent recurrence

Bank & Payout Partner Management

• Work closely with our banking and payout providers on daily operations
• Support testing & ramp up of new banks or payment partners and help optimize existing relationships
• Stay close to pricing, performance, and reliability across providers

Process Improvement & Payments Intelligence

• Track and analyze payments KPIs (speed, failure rates, costs, liquidity efficiency)
• Identify process, tooling, or routing improvements and help implement them
• Contribute to one‑off projects such as payment corridor optimization, new payment methods, or bank API integrations

Must-haves

• 2–5 years of experience in operations, payments, fintech, consultancy or a related role, ideally in a high‑growth startup or top‑tier consultancy
• Fluent in English
• Highly organized and comfortable owning operational processes end‑to‑end
• Comfort working with data (Excel / Google Sheets; SQL is a bonus)
• You care about our mission and believe the current situation facing African businesses is unfair
• Strong attention to detail, especially when money is involved
• Problem‑solver mindset with curiosity about how systems can be improved

Nice-to-haves

• Fluent in French
• Experience with international payments, liquidity management, or treasury operations
• Exposure to emerging markets, particularly Africa

Additional Information

• This is a full‑time position with competitive salary, share options, and benefits
• We require 3 days a week in the office in our London location (currently near Old Street)
• Start date: March 2026 (we are aware people will have notice periods, or may be available earlier – start date can be flexible accordingly)

Capi is an equal opportunity employer and welcomes candidates from diverse backgrounds. We’re all about building a diverse, inclusive team at Capi. Whoever you are, we’d love to hear from you. If there’s anything you need to make the interview process easier—whether it’s accessibility support, a different format, or just a heads‑up about what to expect—just let us know, we’re happy to help.