Credit Analyst

Capital on Tap

Running a business is hard, we make it easier. We provide an all-in-one business credit card & spend management platform, built for SMEs. Over 200,000 small businesses have spent more than £8 billion on their Capital on Tap Business Credit Cards.

The Role

It is an exciting time in our Credit function – our portfolio is growing, we are targeting new market segments, and updating our pricing and limit management strategies. We’re looking for an analyst to be an integral part of our Credit team. Sitting in one of the most important teams in the business you’ll have the opportunity to make a great deal of impact and be given real responsibility from day one.

What you’ll be doing

  • Supporting on key analytical tasks central to our credit strategy. This includes:
  • Impact assessment of our pricing and limit management strategy and overseeing improvements to it
  • Finding and assessing new data sources to better predict credit risk
  • Assessing performance of our upfront underwriting and proposing improvements / changes
  • Identifying opportunities to optimise our collections strategy
  • Owning other core pieces of analysis related to credit
  • Presenting findings to senior management

What we are looking for

  • 2-4+ years of experience working as a credit analyst in unsecured lending, credit card specific experience is a big plus
  • Knowledge and understanding of UK market, (US experience is a plus but not essential)
  • Highly analytical and comfortable conducting complex analysis using SQL (Python experience is a plus but not essential)
  • Strong verbal communication skills including the ability to explain complex concepts in a simple way to a varied audience
  • 2.1 or above at degree level, preferably in Economics or a STEM subject
  • Can do attitude and comfortable working in a fast-paced, changing environment

What you’ll get in return

???? Private Healthcare, Worldwide Travel Insurance and Dental Cover through Vitality

???? Anniversary Rewards (£250, £500, £1000, 4-week fully paid sabbatical)

???? Salary Sacrifice Pension Scheme up to 7% match

????️ 28 days holiday (plus bank holidays)

???? Annual Learning 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

Check out more of our benefits, values and mission here. 

If you want to keep updated on future opportunities at Capital on Tap follow our company page here.

Diversity and Inclusion

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 welcome, consider and encourage applications from anyone that shares this passion.

How to Apply

If you want to progress your career within a fast growing, profitable fintech then click apply (all we ask for is your CV and contact details) and we will get back to you within 3 working days

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