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- Tasks: Review lending applications and financial data to make impactful credit decisions.
- Company: Join Capital on Tap, a fast-growing fintech revolutionising small business finance.
- Benefits: Enjoy private healthcare, 28 days holiday, and a dog-friendly office environment.
- Other info: Hybrid role with opportunities for professional development and inclusivity.
- Why this job: Be at the heart of our growth while making a real difference for small businesses.
- Qualifications: 1 year of underwriting experience and strong analytical skills required.
The predicted salary is between 40000 - 50000 £ 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!
Location & Hybrid Working
This is a hybrid role, in our London (Moorgate) office 3 days per week.
Role Summary
Underwriters are at the heart of Capital on Tap as they allow us to grow our portfolio whilst keeping bad debt within appetite. You will review the decision engine's cases where judgement and context matter, challenge strategy, spot patterns the data team hasn't yet picked up, and bring decisions back into the room when something does not look right. Your role requires strong analytical insight and commercial lending expertise.
What You’ll Be Doing
- Review lending applications and financial data for decisions.
- Perform credit reviews on our back‑book customers.
- Help facilitate change 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’s underwriting experience with a minimum of 6 months’ mandate (secured or unsecured).
- Commercial lending experience; broad understanding of how businesses operate.
- Strong analytical instincts – read financials, spot inconsistencies, triangulate across data sources without being told.
- Demonstrated best practices in Responsible Lending.
- Experience in a fintech or high‑growth business.
- Ability to work autonomously.
- Genuine interest in why we do things, not just what the policy says.
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 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
EEO Statement
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 do. 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.
Credit Underwriter New London employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwriter New London
✨Tip Number 1
Network like a pro! Reach out to current employees at Capital on Tap through LinkedIn or other platforms. Ask them about their experiences and any tips they might have for the interview process. It’s all about making connections!
✨Tip Number 2
Prepare for the interview by brushing up on your analytical skills. Since you'll be reviewing lending applications and financial data, practice explaining your thought process when analysing numbers. Show us you can spot inconsistencies and think critically!
✨Tip Number 3
Don’t just focus on the technical stuff; show us your passion for helping small businesses! Be ready to discuss why you want to work in a fintech environment and how you can contribute to our mission of supporting SMEs.
✨Tip Number 4
Finally, apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows us you’re genuinely interested in joining the Capital on Tap team. Let’s make it happen!
We think you need these skills to ace Credit Underwriter New London
Some tips for your application 🫡
Show Your Analytical Skills: When you're writing your application, make sure to highlight your analytical instincts. We want to see how you read financials and spot inconsistencies. Use examples from your past experience to demonstrate this.
Tailor Your Application: Don’t just send a generic application! Tailor it to the role of Credit Underwriter. Mention your commercial lending experience and how it aligns with our mission at Capital on Tap. This shows us you’re genuinely interested in the position.
Be Authentic: We value authenticity here at Capital on Tap. Don’t be afraid to let your personality shine through in your application. Share why you’re passionate about helping small businesses and how you can contribute to our team.
Apply Through Our Website: Make sure to apply through our website for the best chance of getting noticed. It’s the easiest way for us to keep track of your application and ensures you’re considered for the role!
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 analytical skills and be ready to discuss how you interpret financial statements. Prepare examples of how you've spotted inconsistencies in the past and how you approached them.
✨Understand the Business Landscape
Capital on Tap is all about supporting small businesses. Familiarise yourself with the challenges they face and how fintech solutions can help. This will show your genuine interest in the role and the company's mission, which is crucial for making a good impression.
✨Be Ready to Discuss Strategy
The role involves challenging existing strategies and suggesting improvements. Think about times when you've successfully influenced change in your previous roles. Be prepared to share your thoughts on what makes a good underwriting strategy and how you would approach it at Capital on Tap.
✨Show Your Passion for Responsible Lending
Capital on Tap values responsible lending practices. Be ready to discuss your understanding of best practices in this area and how you've applied them in your work. This will demonstrate that you align with their values and are committed to making sound lending decisions.