At a Glance
- Tasks: Lead the development of decisioning platforms and optimise underwriting processes.
- Company: Join Capital on Tap, a fast-growing fintech revolutionising small business finance.
- Benefits: Enjoy private healthcare, 28 days holiday, and a fun office environment with perks.
- Other info: Diverse and inclusive culture with great career growth opportunities.
- Why this job: Make a real impact in the financial services industry while working with cutting-edge technology.
- Qualifications: 4+ years in decision engines, strong Python skills, and a proactive mindset.
The predicted salary is between 60000 - 75000 £ 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'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.
The role As a Senior Decision Engineer, you'll be a key member of our IT department's decisioning team. We own and manage the decisioning platform (GDS), where we implement customer flows, policy rules, and scorecards. You will play a crucial role in ensuring we make accurate decisions for all new applications by working closely with various teams across the company. You should be a highly analytical and detail-oriented individual with the ability to understand and align your work with the broader business strategy. You will be expected to quickly learn new technologies and thrive in a collaborative team environment. This position is an excellent opportunity to take on significant responsibility, lead key projects, and directly impact the success of our underwriting processes within the fast-paced financial services industry.
What you’ll be doing:
- Lead the full development lifecycle from design to implementation of our decisioning platforms.
- Architect and maintain underwriting rules, ensuring they are robust, scalable, and aligned with business objectives, regulatory requirements, and industry best practices.
- Design and implement advanced monitoring and alerting systems to ensure the integrity and performance of automated decisioning.
- Collaborate proactively with Data Science, Credit, and Business Operations teams to define requirements and implement complex updates to decisioning logic.
- Serve as a subject matter expert, working with wider IT and Engineering teams to shape data architecture and ensure the availability of reliable data for underwriting.
- Conduct in-depth analysis to identify, troubleshoot, and resolve decisioning anomalies and underlying issues.
- Drive the continuous optimisation of our underwriting and decisioning processes through data-driven insights and strategic initiatives.
We're Looking For:
- 4+ years of experience working with decision engines, within the financial services or FinTech industry (examples include GDS Link, Experian Powercurve and Provenir).
- Strong proficiency in data manipulation and a solid working knowledge of Python is essential.
- You should also have experience with SQL and a desire to learn other relevant languages like LUA.
- Proven ability to independently solve complex problems and deliver effective, end-to-end solutions.
- A proactive and curious mindset with a track record of identifying opportunities for improvement.
- Excellent communication and stakeholder management skills, with the ability to present complex technical information clearly to both technical and non-technical audiences.
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
- Octopus EV Salary Sacrifice Scheme
- 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).
Senior Decision Engineer in London employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer that champions innovation and inclusivity within the fast-paced fintech landscape. Our vibrant work culture is complemented by a range of benefits including private healthcare, generous holiday allowances, and a dog-friendly office environment, all designed to support your well-being and professional growth. Join us to take on significant responsibilities, lead impactful projects, and thrive in a collaborative atmosphere where your contributions directly influence the success of our mission to empower small businesses.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Decision Engineer in London
✨Tip Number 1
Network like a pro! Reach out to current employees at Capital on Tap through LinkedIn. A friendly chat can give you insider info and maybe even a referral, which can really boost your chances.
✨Tip Number 2
Prepare for the interview by understanding their products and services inside out. Show us that you’re not just another candidate; demonstrate how your skills align with their mission to support small businesses.
✨Tip Number 3
Practice your problem-solving skills! Be ready to tackle some real-world scenarios during the interview. We want to see how you think on your feet and approach complex issues.
✨Tip Number 4
Don’t forget to follow up after your interview! A quick thank-you email can leave a lasting impression and show us that you’re genuinely interested in joining the team.
We think you need these skills to ace Senior Decision Engineer in London
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Senior Decision Engineer role. Highlight your experience with decision engines and any relevant projects that align with our mission at Capital on Tap.
Show Off Your Skills:Don’t hold back on showcasing your technical skills, especially in Python and SQL. We want to see how you’ve used these tools to solve complex problems in your previous roles.
Be Clear and Concise:When writing your application, keep it straightforward. Use clear language to explain your achievements and how they relate to the job description. We appreciate a well-structured application!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands quickly. Plus, we love seeing candidates who take that extra step!
How to prepare for a job interview at Capital on Tap
✨Know Your Decision Engines
Make sure you brush up on your knowledge of decision engines, especially those mentioned in the job description like GDS Link and Experian Powercurve. Be ready to discuss your experience with these tools and how you've used them to solve complex problems in the past.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess by discussing specific examples where you've conducted in-depth analysis to troubleshoot decisioning anomalies. Highlight how your insights led to improvements in processes or outcomes, as this aligns perfectly with what they’re looking for.
✨Communicate Clearly
Since you'll be working with both technical and non-technical teams, practice explaining complex concepts in simple terms. Think about how you can present your previous projects or experiences in a way that everyone can understand, showcasing your excellent communication skills.
✨Emphasise Collaboration
Capital on Tap values teamwork, so be prepared to talk about your collaborative experiences. Share examples of how you've worked with cross-functional teams, particularly in defining requirements and implementing updates to decisioning logic, to show that you thrive in a team environment.
