At a Glance
- Tasks: Analyse data to identify risks and develop solutions in a fast-paced fintech environment.
- Company: Join Capital on Tap, a leading fintech company revolutionising small business banking.
- Benefits: Enjoy private healthcare, generous holiday, and a fun office culture with perks.
- Other info: Hybrid role in London with opportunities for career growth and inclusivity.
- Why this job: Make a real impact by solving complex problems and enhancing financial security for businesses.
- Qualifications: Strong data analysis skills, especially in SQL, and a passion for problem-solving.
The predicted salary is between 50000 - 60000 € per year.
About the Company
Capital on Tap started because small businesses were underserved by big banks. We offer a best‑in‑class business credit card, SME‑focused spend management platform, and a growing suite of tools that make running a small business easier. We have 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and over 17,000 Trustpilot reviews averaging 4.7 stars. This is a hybrid role in our London (EC1Y 8LZ) offices, 3 days per week.
What You'll Be Doing
- Risk Analytics sits at the heart of how we make decisions across Credit, Fraud and Financial Crime.
- As a data analyst you’ll own risk problems end‑to‑end, from spotting them in the data to shipping models, strategies and tooling that solve them.
- Write complex SQL queries to interrogate transaction and customer data, identify anomalies, and surface emerging risk patterns.
- Design and build fraud and financial crime detection rules from scratch, set thresholds based on data, and iterate based on real‑world performance.
- Own rules end‑to‑end, monitor outcomes, and iterate fixes as necessary.
- Analyze lending and card data to understand customer behavior and where fraud and fincrime risk sits in our product set.
- Support investigation and escalation workflows to specialist operations teams.
- Collaborate with Compliance, Risk, and Product to embed risk controls at the product layer.
- Contribute to the ongoing improvement of our transaction monitoring approach as the function matures.
We're Looking For
- Strong data analyst background in a fintech or digital lending environment.
- Deep understanding of SMB transaction data and comfort working with messy, high‑volume datasets.
- Proficient SQL (including CTEs, window functions, and distinguishing WHERE vs HAVING).
- A genuine builder instinct – you actively seek problems in data and fix them.
- Experience solving analytical problems end‑to‑end rather than passing logic to a tech team.
- Comfortable working in a small, fast‑moving team with ambiguous problems.
- Experience building data pipelines in dbt (useful but not essential).
- Python or R for analysis beyond SQL (useful but not essential).
- Hands‑on financial crime experience including sanctions/PEPs screening, transaction monitoring platforms, and regulated reporting.
- Hands‑on credit card fraud experience including application and card fraud.
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.
Benefits
- Private Healthcare (including dental and opticians services) through Vitality
- Worldwide travel insurance through Vitality
- Anniversary rewards: £250, £500, £750 or a 4‑week fully paid sabbatical
- Salary sacrifice pension scheme with 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
- Office perks: pool table, arcade machine, beer tap, office dogs
Risk Analyst in City of Westminster employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer that champions the growth and well-being of our employees. Our London office offers a vibrant work culture with unique perks such as dog-friendly spaces, free snacks, and a focus on inclusivity, ensuring that everyone can thrive. With comprehensive benefits including private healthcare, generous holiday allowances, and a commitment to professional development, we empower our Risk Analysts to make impactful contributions while enjoying a fulfilling work-life balance.
StudySmarter Expert Advice🤫
We think this is how you could land Risk Analyst in City of Westminster
✨Tip Number 1
Network like a pro! Reach out to current employees on LinkedIn or attend industry events. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by practising common questions related to risk analysis. We recommend using the STAR method to structure your answers, showcasing your problem-solving skills and data expertise.
✨Tip Number 3
Show off your SQL skills! Be ready to discuss complex queries you've written or problems you've solved with data. This is your chance to shine and demonstrate your analytical prowess.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Risk Analyst in City of Westminster
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Risk Analyst. Highlight your experience with SQL, data analysis, and any relevant fintech background. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Share your passion for risk analytics and how you can contribute to our mission at Capital on Tap. Be genuine and let us know why you’re excited about this opportunity.
Showcase Your Problem-Solving Skills:In your application, give examples of how you've tackled complex data problems in the past. We love candidates who take initiative and have a builder instinct, so don’t hold back on sharing your successes!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Capital on Tap
✨Know Your SQL Inside Out
Since the role requires proficiency in SQL, make sure you brush up on complex queries, especially CTEs and window functions. Prepare to discuss how you've used SQL to solve real-world problems, as this will show your hands-on experience.
✨Understand the Fintech Landscape
Familiarise yourself with the fintech industry, particularly around SMB transaction data and financial crime. Being able to discuss current trends and challenges in the sector will demonstrate your genuine interest and understanding of the field.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled analytical problems end-to-end. Highlight your builder instinct by discussing specific instances where you identified issues in data and implemented solutions, as this aligns perfectly with what they’re looking for.
✨Emphasise Collaboration Experience
This role involves working closely with various teams like Compliance and Product. Be ready to share experiences where you've collaborated effectively in a fast-paced environment, showcasing your ability to navigate ambiguity and drive results.
