Payment Ops Associate

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. 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’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.

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.