Head of Fraud Analytics in London

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.

This is a Hybrid role, the Risk Analytics team work from our London (Moorgate) office 3 days per week.

Risk Analytics at Capital on Tap

Risk Analytics sits at the heart of how we make decisions across Credit, Fraud and Financial Crime. We're a tight-knit team of analysts and data scientists who don't just answer questions - we own risk problems end-to-end, from spotting them in the data to shipping the models, strategies and tooling that solve them.

What you’ll be doing

We're hiring a Head of Fraud Analytics to lead our Fraud Analytics team. You'll own how we detect, measure and respond to fraud across the entire customer lifecycle - from application through to ongoing monitoring. The role is roughly 70:30 between leading a small team of analysts and getting hands-on with the analysis yourself. It's a great moment to join: the team is growing, and with current accounts launching soon, you'll be shaping the analytics for an entirely new product alongside improving our existing strategies.

Key responsibilities include:

• Own, monitor, and continually optimise our fraud management strategies across the customer lifecycle and multiple products.
• Assess the performance of existing fraud rules and implement improvements.
• Identify, evaluate, and onboard innovative new data sources to better predict risk.
• Manage and develop a team of analysts while staying hands-on with the data yourself.
• Lead bespoke analytical work tied to product launches and customer experience improvements where fraud strategy is a key input.
• Present findings and recommendations to the senior leadership team.

We’re Looking For

• At least eight years of fraud experience including direct experience in card fraud - ideally within a bank, card issuer, or fintech operating on the issuing side.
• Highly analytical and comfortable conducting complex analysis using SQL (Python experience is a plus).
• Exceptional problem solving skills and the ‘can do’ attitude to thrive in a fast paced, high growth environment.
• Track record of owning analytical problems end-to-end — from framing the question through to deployment, not handing logic to a tech team.
• Experience managing analysts, with a genuine interest in helping people grow.
• Clear communicator who can explain technical work to analysts, business stakeholders, and senior leaders.
• Solid grasp of the UK fraud landscape, including regulatory direction and market trends.

Nice to have

• Experience of APP fraud or faster payment fraud systems is highly desirable.
• Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).

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 try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:

• Private Healthcare including dental and opticians 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.

Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days).