At a Glance
- Tasks: Help customers manage financial arrears and set up fair repayment plans.
- Company: Join Capital on Tap, a leading financial platform for small businesses.
- Benefits: Enjoy competitive salary, private healthcare, and 28 days holiday.
- Other info: Dynamic, inclusive workplace with fun perks like office dogs and games.
- Why this job: Make a real difference in customers' lives while working remotely.
- Qualifications: Strong communication skills and experience in collections preferred.
The predicted salary is between 27000 - 34000 £ per year.
We’re Capital on Tap
Capital on Tap started because small businesses were underserved.
Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed.
We set out to fix that.
Today we're a financial platform - not just a credit card company.
We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.
1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable.
We’ve done a pretty good job so far, but we’re just getting started!
This is a remote role. You'll be required to attend the Cardiff office 2 days per quarter.
Shifts You’ll be part of our Midnight team, servicing a mixture of our UK & US customers.
You’ll work Monday-Friday 3:30pm to midnight.
Your training will be conducted Mon-Friday 9am-5:30pm for your first 4 weeks before you join the Midnight team.
What You’ll Be Doing In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies.
You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence.
- Engage directly with customers to negotiate repayment plans
- Analyse financial situations to create tailored solutions
- Ensure adherence to GDPR, FCA, and FDCPA regulations
- Handle customer complaints and resolve conflicts effectively
- Prioritize multiple tasks while maintaining high-quality standards
- Work with internal and external teams to support customer outcomes
- Collections experience within financial services
- Strong communication skills, both verbal and written
- Proven ability to manage challenging customer interactions
- Ability and skills to handle difficult conversations and deliver a fair customer outcome
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 Perks We believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play.
From a pool table and Play Station to a few office dogs roaming around, we’ve created a space where you can relax and recharge.
Check out the perks we offer
- Salary range £27,000 - £34,000 depending on experience
- Private Healthcare including dental and optician 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)
- Final stage: 60 minute CV overview with Team Leaders (Video call)
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.
In order to remain committed to our goal, we need to analyse and identify where we need to take steps to make positive impact.
The first step in this process is gathering anonymous data on our candidates.
We would encourage you to help us by filling in the form below.
All of the questions we ask are optional and will not affect your application.
You don't have to share this with us and we won't consider it as part of your application.
If you choose not to share this info, it won't impact your application in any way.
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Collections Officer - Midnight Team in Cardiff employer: Capital On Tap
At Capital on Tap, we pride ourselves on being an excellent employer that values flexibility and work-life balance, especially for our Midnight Collections Specialists. With a supportive remote work culture complemented by quarterly office days in Cardiff, we offer comprehensive training and opportunities for professional growth, ensuring our employees feel empowered and engaged in their roles. Join us to be part of a dynamic team that prioritises compliance and fair outcomes while fostering a collaborative environment.
StudySmarter Expert Advice🤫
We think this is how you could land Collections Officer - Midnight Team in Cardiff
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Capital On Tap. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Collections Officer - Midnight Team in Cardiff
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Capital On Tap.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Capital On Tap's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Capital On Tap
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Capital On Tap.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Capital On Tap will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Capital On Tap employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
