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- Tasks: Manage payment operations, ensuring funds flow smoothly and efficiently.
- Company: Capi, a fast-growing fintech revolutionising payments in emerging markets.
- Benefits: Competitive salary, share options, and flexible working arrangements.
- Why this job: Join a mission-driven team making a real impact on African businesses.
- Qualifications: 2-5 years in operations or payments; strong attention to detail required.
- Other info: Diverse and inclusive workplace with excellent growth opportunities.
The predicted salary is between 36000 - 60000 £ per year.
About The Company
Capi helps businesses in emerging markets pay their international suppliers quickly and efficiently. We have 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. 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 highly-ambitious, get-it-done people who like to work hard on something that has a tangible impact in the world.
About The Role
We are 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 will 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
- 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.
- 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.
- 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.
- Work closely with our banking and payout providers on daily operations.
- Support testing and ramp-up of new banks or payment partners and help optimize existing relationships.
- Stay close to pricing, performance, and reliability across providers.
- 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 optimisation, 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 (start date can be flexible if notice periods allow).
Equal Opportunity
Capi is an equal opportunity employer and welcomes candidates from diverse backgrounds. We are all about building a diverse, inclusive team at Capi. Whoever you are, we would love to hear from you. If there is anything you need to make the interview process easier—whether it is accessibility support, a different format, or just a heads-up about what to expect—just let us know, we are happy to help.
Payment Ops Associate in London employer: Capi Money
Contact Detail:
Capi Money Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Payment Ops Associate in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech and payments space, especially those who work with international suppliers. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Get your hands dirty with payment systems! Familiarise yourself with different payment methods and liquidity management. Showing that you understand the mechanics of payments will make you stand out during interviews.
✨Tip Number 3
Prepare for the interview by brushing up on your problem-solving skills. Think of examples where you've tackled complex issues, especially in operations or payments. We love candidates who can think on their feet!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows us you're genuinely interested in being part of our mission to make a difference in emerging markets.
We think you need these skills to ace Payment Ops Associate in London
Some tips for your application 🫡
Show Your Passion for Payments: When writing your application, let us know why you're excited about the world of payments. Share any experiences or projects that highlight your love for the mechanics of money movement. We want to see that you care about making a tangible impact!
Be Detail-Oriented: Since this role involves handling money, it's crucial to demonstrate your attention to detail. Make sure your application is free from typos and errors, and provide clear examples of how you've managed operational processes in the past. We appreciate precision!
Highlight Relevant Experience: Make sure to showcase your experience in operations, payments, or fintech. Use specific examples to illustrate how your background aligns with our needs. If you've worked in high-growth startups or have experience in emerging markets, don't hold back!
Apply Through Our Website: We encourage you to apply directly through our website. This helps us keep track of applications and ensures you get the best chance to shine. Plus, it shows you're proactive and keen to join our team at Capi!
How to prepare for a job interview at Capi Money
✨Know Your Payments Inside Out
Make sure you understand the mechanics of payments, especially in emerging markets. Brush up on how different payment rails work and be ready to discuss your experience with liquidity management and operational processes.
✨Show Your Problem-Solving Skills
Be prepared to share examples of how you've tackled complex payment issues in the past. Highlight your curiosity about improving systems and your ability to identify root causes of problems.
✨Demonstrate Attention to Detail
Since this role involves handling money, it's crucial to showcase your strong attention to detail. Bring up instances where your meticulousness has led to successful outcomes in previous roles.
✨Align with Capi's Mission
Express your passion for making a tangible impact in African markets. Show that you care about the challenges businesses face and how you can contribute to Capi's mission of facilitating efficient payments.
