At a Glance
- Tasks: Lead the new Payments Operations team, managing multi-currency payment systems and card infrastructure.
- Company: Join Capital on Tap, a fast-growing financial platform revolutionising small business banking.
- Benefits: Enjoy private healthcare, generous holiday, learning budget, and a dog-friendly office.
- Other info: Diversity and inclusion are at our core; we welcome all applicants.
- Why this job: Make a real impact in a dynamic environment while shaping the future of payments.
- Qualifications: Proven leadership in financial services with expertise in UK and US payment systems.
The predicted salary is between 60000 - 80000 £ 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!
Manchester | 3 days per week in office
Role Overview
You will be the first person in our brand new payments and cards team at Capital on Tap. You will be responsible for the execution, reconciliation, and troubleshooting of multi‑currency payment rails and card infrastructure across the US and UK markets.
Responsibilities
- Take full accountability for architecting and running our newly created Payment Operations department in a fast paced environment, converting strategic business goals into a nimble, highly efficient, and customer‑centric operational reality.
- Manage daily transaction workflows, clearing real‑time payment queues and resolving exceptions across Faster Payments and CHAPS infrastructure to maintain optimal intraday liquidity and uninterrupted payment flows.
- Manage and scale card operations, taking frontline accountability for physical/virtual card delivery, payment recalls, and the end‑to‑end offline payment chargeback dispute pipeline.
- Oversee the operational execution of the UK Direct Debit scheme, ensuring robust controls are in place to manage the indemnity claim process efficiently while protecting business balances.
- Build and oversee strong control frameworks to reduce financial loss and operational risk.
- Act as the primary operational contact for critical partners (ClearBank, Pay.UK), driving daily scheme compliance, monitoring infrastructure health and resolving complex transaction bottlenecks.
- Define and track KPIs to measure performance.
- Serve as the final frontline escalation point for payment system outages or processing drops, driving quick resolution and conducting post‑incident reviews to prevent future issues.
Requirements
- Substantial leadership experience in financial services and card/payments scaling, with deep structural knowledge of UK and US domestic clearing systems (Faster Payments, CHAPS, Fedwire, ACH) and frontline settlement mechanisms, specifically optimised for high‑velocity, high‑value business and corporate transactions.
- An adaptable and pragmatic leader with a hands‑on, solutions‑driven approach to problem solving.
- A proven track record of leading high‑performing teams in a fast‑paced environment.
- An analytical thinker skilled in interpreting complex data and driving evidence‑based decision‑making.
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, 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
Equal Opportunity
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 are. 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. We analyse and identify where we need to take steps to make positive impact. The first step in this process is gathering anonymous data on our candidates.
If you are interested in this role, please apply through our career site.
Senior Payments Operations Manager New Manchester employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer, particularly for the Senior Payments Operations Manager role in Manchester. Our vibrant work culture fosters inclusivity and innovation, while our commitment to employee growth is evident through our comprehensive benefits package, including private healthcare, generous holiday allowances, and a dedicated learning budget. Join us in a dynamic environment where your contributions directly impact small businesses, and enjoy unique perks like dog-friendly offices and anniversary rewards that celebrate your journey with us.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Payments Operations Manager New Manchester
✨Tap into Campus Networks
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✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Capital on Tap. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Payments Operations Manager New Manchester
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Capital on Tap.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Capital on Tap's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Capital on Tap
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Capital on Tap.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Capital on Tap will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Capital on Tap employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
