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- Tasks: Examine lending applications and financial data to support credit decisions.
- Company: Join a fast-growing fintech revolutionising small business finance.
- Benefits: Private healthcare, generous holiday, learning budget, and a dog-friendly office.
- Other info: Hybrid working model with a focus on inclusivity and personal growth.
- Why this job: Make a real impact on small businesses while developing your career in a dynamic environment.
- Qualifications: 1 year of underwriting experience and strong analytical skills required.
The predicted salary is between 40000 - 50000 £ per year.
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 are a financial platform offering a best‑in‑class business credit card, SME‑focused spend management tools, a savings product that raised £1 billion in its first year, and other financial products to help small businesses run more smoothly. We have more than 1,000 employees, £20bn in annual card spend, over 200,000 customers, and 17,000+ Trustpilot reviews averaging 4.7 stars. We are profitable and growing.
Hybrid Role Details
Location: London (Moorgate) – the office is open 3 days per week with a hybrid working model.
Role Purpose
Credit Underwriting – you will examine lending applications and financial data, provide guidance on strategy, and support decisions where judgement and context matters beyond our automated engine.
Responsibilities
- Review lending applications and financial data for decisions.
- Perform credit reviews on back‑book customers.
- Help facilitate changes in underwriting strategy and structure.
- Interact with internal teams for credit decisions.
- Facilitate risk initiatives and pilots by reviewing credit data.
- Conduct periodic reviews of individual bad debts to provide portfolio insight.
Qualifications
- At least 1 year of underwriting experience with a minimum of 6 months’ mandate (secured or unsecured).
- Commercial lending experience – a broad understanding of how businesses operate.
- Strong analytical instinct – ability to read financials, spot inconsistencies, and triangulate across data sources independently.
- Demonstrated best practices in responsible lending.
- Experience in fintech or high‑growth business environments.
- Ability to work autonomously.
- Genuine interest in why we do things, not just what policies say.
Diversity & Inclusion
We welcome and encourage applications from anyone who shares our commitment to inclusivity. We strive to create a workplace where authenticity thrives.
Benefits
- Private healthcare including dental and opticians services through Vitality.
- Worldwide travel insurance through Vitality.
- Anniversary rewards (£250, £500, £750, and a fully paid 4‑week sabbatical).
- Salary sacrifice pension scheme up to 7% match.
- 28 days holiday plus bank holidays.
- Annual learning and wellbeing budget.
- Enhanced parental leave.
- Cycling to work scheme.
- Season ticket loan.
- Six free therapy sessions per year.
- Dog‑friendly offices.
Credit Underwriter employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current employees at Capital on Tap. A friendly chat can sometimes lead to opportunities that aren’t even advertised.
✨Tip Number 2
Prepare for the interview by understanding their products and values. Show us you’re genuinely interested in how Capital on Tap is changing the game for small businesses. Tailor your answers to reflect that passion!
✨Tip Number 3
Practice your analytical skills! Brush up on reading financial statements and spotting inconsistencies. We want to see that you can think critically and make informed decisions, just like you would in the role.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows us you’re serious about joining our team at Capital on Tap.
We think you need these skills to ace Credit Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Underwriter role. Highlight your underwriting experience and any relevant skills that match what we're looking for. We want to see how your background fits with our mission to support small businesses!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about working with us at Capital on Tap. Share specific examples of your experience in commercial lending and how you can contribute to our team.
Show Off Your Analytical Skills: Since this role requires strong analytical instincts, make sure to showcase your ability to read financials and spot inconsistencies. We love candidates who can demonstrate their thought process and how they approach problem-solving.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our team!
How to prepare for a job interview at Capital on Tap
✨Know Your Numbers
As a Credit Underwriter, you'll be dealing with financial data all the time. Brush up on your financial analysis skills and be ready to discuss how you interpret lending applications. Familiarise yourself with common financial metrics and be prepared to explain how they impact credit decisions.
✨Understand the Business Landscape
Capital on Tap focuses on small businesses, so it’s crucial to understand their unique challenges. Research the SME sector and think about how different industries operate. This knowledge will help you demonstrate your commercial lending experience and show that you genuinely care about supporting small businesses.
✨Showcase Your Analytical Skills
During the interview, be ready to share examples of how you've used your analytical instincts in past roles. Discuss specific instances where you spotted inconsistencies in financial data or made strategic recommendations based on your findings. This will highlight your ability to work autonomously and make informed decisions.
✨Emphasise Your Fit with Company Culture
Capital on Tap values inclusivity and authenticity, so be yourself during the interview. Share your motivations for wanting to join their team and how your values align with theirs. Highlight any experiences that showcase your commitment to responsible lending and your genuine interest in understanding the 'why' behind policies.