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 workplace with excellent career growth opportunities.
- Why this job: Make a real impact in the fintech 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 - 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!
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 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).
UK DE&I Data
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.
Senior Decision Engineer New London employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer that champions inclusivity and employee growth. Our vibrant work culture is complemented by unique perks such as a dog-friendly office, a pool table, and a comprehensive benefits package including private healthcare and generous holiday allowances. As a Senior Decision Engineer in New London, you'll have the opportunity to lead impactful projects within a fast-paced fintech environment, all while enjoying a supportive atmosphere that encourages innovation and collaboration.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Decision Engineer New London
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those at Capital on Tap. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for the interview by diving deep into their products and services. Show us you understand how our decisioning platform works and how you can contribute to making it even better!
✨Tip Number 3
Practice your problem-solving skills! We love candidates who can think on their feet. Be ready to tackle some real-world scenarios related to decision engines during your interview.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we aim to get back to you quickly, so keep an eye on your inbox!
We think you need these skills to ace Senior Decision Engineer New London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Decision Engineer role. Highlight your experience with decision engines and any relevant technologies like Python and SQL. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re excited about joining Capital on Tap and how your background makes you a perfect fit for our team. Let your personality come through – we love authenticity!
Showcase Your Problem-Solving Skills:In your application, don’t forget to mention specific examples of how you've tackled complex problems in the past. We’re looking for someone who can independently solve issues and drive improvements, so make sure to highlight those experiences!
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. Plus, it shows us you’re serious about wanting to join our awesome team!
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 used data manipulation and Python to drive decision-making. Think of scenarios where your insights led to significant improvements in processes or outcomes.
✨Collaborate Like a Pro
Since collaboration is key in this role, be ready to share experiences where you've worked closely with cross-functional teams. Highlight how you communicated complex technical information to non-technical stakeholders and the impact it had on project success.
✨Embrace Continuous Improvement
Capital on Tap values a proactive mindset, so come prepared with ideas on how you would optimise their underwriting and decisioning processes. Discuss any past initiatives you've led that resulted in measurable improvements, showcasing your commitment to continuous learning and growth.
