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- Tasks: Join our Risk team to analyse data and optimise risk decisions.
- Company: Capital on Tap helps small businesses thrive with innovative credit solutions.
- Benefits: Enjoy hybrid work, private healthcare, 28 days holiday, and fun office perks.
- Why this job: Make a real impact in a fast-paced fintech environment while collaborating with diverse teams.
- Qualifications: 3+ years in risk analysis, strong SQL and Python skills, and a degree in Economics or STEM.
- Other info: Dog-friendly offices and a vibrant culture await you!
The predicted salary is between 42000 - 84000 £ per year.
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 Risk team work from our London (Shoreditch) Offices 3 days per week.
What You\’ll Be DoingWe\’re looking for a Risk Analyst to join our risk analytics team. You will work across Fraud, Fincrime, Collections and Disputes using data and analytics to innovate and optimise our risk based decision making for the purpose of minimising credit losses and maximising regulatory compliance. Playing a central role in our risk analytics team, responsibilities of your role will include:
- Owning, monitoring and continually optimising our fraud detection rules
- Applying advanced analytics to maximise the efficiency and effectiveness of our Financial Crime detection processes
- Maximising the performance of our collections function through scoring and segmentation to optimise our approach at a customer level
- Working with external vendors to continually evaluate innovative or alternative products and tools
- Proactively championing best use of AI to accelerate delivery of analytical output and as an integral part of our business solutions
Your role will involve presentation to and active collaboration with a wide group of business stakeholders including Operations, Credit, Senior Management and external business partners.
We\’re Looking For
- At least three years of risk analysis experience ideally including credit cards, fraud, collections or fincrime
- Highly analytical and comfortable conducting complex analysis using SQL and Python
- Exceptional detail orientated, problem solving skills and the \’can do\’ attitude to thrive in a fast paced, high growth environment
- Excellent collaboration skills and a natural team player
- Strong verbal communication skills including the ability to clearly explain complex concepts to other analysts, business stakeholders and senior leadership
2.1 or above at degree level, preferably in Economics or STEM subject
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 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.
Interview Process
- First stage: 30 minute intro and values call with Talent Partner (Video call)
- Second stage (in person):
- 45min technical assessment
- 60min case study
- 45min competency based interview
- Final stage: 30 minute executive interview
Other InfoCheck 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.) #J-18808-Ljbffr
Risk Analyst employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in risk analysis, particularly in fraud detection and financial crime. Being able to discuss current methodologies and tools during your interview will show that you're proactive and knowledgeable about the field.
✨Tip Number 2
Brush up on your SQL and Python skills, as these are crucial for the role. Consider working on a small project or case study that showcases your ability to analyse data effectively, which you can reference during your discussions with the team.
✨Tip Number 3
Prepare to demonstrate your problem-solving skills by thinking of examples from your past experience where you've successfully tackled complex issues. This will help you stand out as a candidate who can thrive in a fast-paced environment.
✨Tip Number 4
Network with professionals in the fintech space, especially those involved in risk analysis. Engaging with industry peers can provide valuable insights and potentially lead to referrals, increasing your chances of landing an interview.
We think you need these skills to ace Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in risk analysis, particularly in areas like fraud, collections, and financial crime. Use specific examples to demonstrate your analytical skills and familiarity with SQL and Python.
Craft a Compelling Cover Letter: In your cover letter, express your passion for helping small businesses and how your skills align with Capital on Tap's mission. Mention your problem-solving abilities and your experience in optimising risk-based decision-making.
Showcase Your Analytical Skills: During the application process, emphasise your analytical capabilities. Provide examples of complex analyses you've conducted and how they contributed to minimising credit losses or maximising compliance.
Prepare for Interviews: Familiarise yourself with the interview process outlined by Capital on Tap. Be ready to discuss technical assessments and case studies, and practice explaining complex concepts clearly to non-technical stakeholders.
How to prepare for a job interview at Capital on Tap
✨Understand the Company Mission
Before your interview, make sure you understand Capital on Tap's mission to help small business owners. Familiarise yourself with their products and how they aim to save time and money for their clients. This will show your genuine interest in the company and its goals.
✨Prepare for Technical Questions
Given the role involves advanced analytics, be ready to discuss your experience with SQL and Python. Brush up on relevant concepts and be prepared to demonstrate your analytical skills through examples or even a technical assessment during the interview.
✨Showcase Collaboration Skills
As the role requires working with various stakeholders, highlight your collaboration skills. Prepare examples of past experiences where you successfully worked in a team or communicated complex ideas to non-technical stakeholders.
✨Demonstrate Problem-Solving Abilities
Capital on Tap values innovative problem-solving. Be ready to discuss specific challenges you've faced in previous roles and how you approached them. Use the STAR method (Situation, Task, Action, Result) to structure your responses effectively.
