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For Companies At a Glance
- Tasks: Design and improve operational processes for our innovative card programs.
- Company: Join a fast-growing fintech helping small businesses thrive.
- Benefits: Enjoy private healthcare, generous holiday, and a dog-friendly office.
- Other info: Diverse and inclusive culture with excellent career growth opportunities.
- Why this job: Make a real impact in the fintech space while developing your skills.
- Qualifications: Experience in card payments and strong analytical skills are a plus.
The predicted salary is between 40000 - 50000 £ per year.
About Capital on Tap
Capital on Tap was founded to help small businesses that were underserved by traditional banks. We provide a business credit card, spend management platform, and other financial tools. With over 1,000 employees, £20bn annual card spend, 200,000+ customers and 17,000+ Trustpilot reviews averaging 4.7 stars, we are profitable and growing.
Location: London | Hybrid – 3 days a week in the office.
Product Operations Role
The Product Operations team ensures our card programs and new product launches run smoothly. The role works closely with Engineering, Compliance, and Customer Operations to improve processes, manage incidents, and maintain product performance.
What You'll Be Doing
- Design, own, and continuously improve end‑to‑end operational processes – reducing manual toil and building scalable, automated solutions.
- Monitor and analyse product performance data (approval rates, acceptance rates, failure rates, SLA metrics) to identify issues and guide optimisation.
- Own incident response for your product area – from triage and customer impact assessment to resolution and post‑incident review.
- Partner with Engineering, Compliance, and Customer Operations to investigate escalated issues and drive fixes.
- Manage relationships with external scheme partners and vendors, escalating and resolving issues on behalf of Capital on Tap.
- Ensure ongoing compliance with relevant scheme rules and regulatory requirements.
- Act as the voice of the customer within your product area – translating operational data into improvements that directly benefit customers.
In the Cards role, you will additionally:
- Lead our authorisation and authentication strategy, resolving merchant acceptance and clearing issues to ensure our card is accepted globally.
- Monitor card‑specific KPIs, including approval rates, dispute rates, and 3DS performance.
- Support global card programme management in partnership with scheme partners (Visa/Mastercard).
Our Values & Culture
- Just Pilot – we never settle for good enough. We pilot new ideas fast, ask questions, and scale quickly.
- Why Not Today – speed and simplicity give us a competitive advantage.
- Be a Buddy – we help the team from day one and do the right thing, even if it’s hard.
- Owners and Dates – we own tasks and complete them by the agreed date.
- Feedback – we provide regular, constructive feedback.
We're Looking For
- Proven ability to build and scale robust, complex operational systems.
- Strong strategic and analytical skills to use data for decision‑making and balance trade‑offs.
- A proactive, self‑starting mindset with ownership, comfortable with technical details alongside engineering teams.
- Experience in card payments and card scheme knowledge (debit or credit card industry).
- Comfortable with data analysis, Looker and SQL (bonus).
- Previous experience with relevant payment schemes preferred.
- Excellent stakeholder and vendor management skills.
- Hardworking, results‑driven individual with a bias for action.
- Knack for identifying problems and driving solutions.
Even if you don’t have all of the necessary skills, we still encourage you to apply.
Interview Process
- Stage 1 – 30‑minute introductory call and values conversation with a Talent Partner.
- Stage 2 – 60‑minute interview with the hiring manager and a Product Operations team member, covering operational processes, payments experience, and decision‑making.
- Stage 3 – 45‑minute final interview with 1–2 members of the broader product team, focused on values, strategic thinking, and day‑to‑day work.
Diversity & Inclusion
We welcome, consider and encourage applications from anyone committed to inclusivity, and we strive to create a space where authenticity thrives.
Benefits
- Private Healthcare (including dental and optician services) through Vitality.
- Worldwide travel insurance through Vitality.
- Anniversary Rewards (£250, £500, £750 and a 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 office.
- Free drinks and snacks.
If you have any questions, email careers@capitalontap.com. We will aim to get back to you within 3 working days (up to 5 during busy periods).
Product Operations Associate employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Product Operations Associate
✨Tip Number 1
Network like a pro! Reach out to current employees at Capital on Tap through LinkedIn. Ask them about their experiences and any tips they might have for the interview process. It’s all about making connections that can give you an edge!
✨Tip Number 2
Prepare for those interviews by diving deep into the company’s values and culture. Capital on Tap loves innovation and teamwork, so think of examples from your past where you’ve demonstrated these traits. Show them you’re a perfect fit!
✨Tip Number 3
Don’t just sit back after applying! Follow up with a friendly email to express your enthusiasm for the role. A little nudge can go a long way in showing your genuine interest in joining the team.
✨Tip Number 4
Use our website to apply directly! It’s the best way to ensure your application gets seen. Plus, it shows you’re proactive and keen to be part of the Capital on Tap family. Let’s get you that interview!
We think you need these skills to ace Product Operations Associate
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your experience in operational processes and data analysis. We want to see how your skills align with the role of Product Operations Associate!
Showcase Your Problem-Solving Skills: In your application, share examples of how you've identified issues and driven solutions in previous roles. We love candidates who can demonstrate a knack for tackling challenges head-on!
Be Authentic: Let your personality shine through in your written application. We value authenticity and want to get a sense of who you are beyond just your qualifications. Don’t be afraid to show us your unique perspective!
Apply Through Our Website: For the best chance of success, make sure to submit your application through our website. It’s the easiest way for us to keep track of your application and ensure it gets the attention it deserves!
How to prepare for a job interview at Capital on Tap
✨Know Your Product Inside Out
Before the interview, make sure you understand Capital on Tap's products and services. Familiarise yourself with their business credit card, spend management platform, and how they help small businesses. This knowledge will show your genuine interest and help you answer questions more effectively.
✨Showcase Your Analytical Skills
Since the role involves monitoring and analysing product performance data, be prepared to discuss your experience with data analysis. Bring examples of how you've used data to drive decisions or improve processes in previous roles. If you have experience with Looker or SQL, mention it!
✨Demonstrate Your Problem-Solving Ability
Capital on Tap values individuals who can identify problems and drive solutions. Think of specific instances where you've tackled challenges in operational processes or customer service. Be ready to explain your thought process and the impact of your actions.
✨Emphasise Team Collaboration
The role requires working closely with various teams like Engineering and Compliance. Highlight your experience in collaborating with different stakeholders and managing relationships. Share examples of how you've successfully worked in a team to achieve common goals.