Role overview

Qualifications

Some experience working with decision engines or rules-based platforms, ideally in financial services or fintech
Comfort working with data, SQL experience is helpful, exposure to Python is great
A methodical approach to problem-solving, with good attention to detail
Good communication skills

Responsibilities

Building and maintaining the rules and logic that drive our automated customer decisions
Working with Data Science, Credit, and Business Operations teams to implement changes on the platform
Monitoring decisioning performance and flagging issues
Investigating and fixing unexpected decision behaviors

Key facts

Full time
Data Engineer
English

Hard skills

Decision Models SQL (Programming Language) Rule-Based Systems Python (Programming Language)

Other skills

Problem Solving
Detail Oriented
Communication
Curiosity
Willingness To Learn

About the company

Capital on Tap

Fintech: Finance + Technology

Capital on Tap provides an all-in-one small business credit card and spend management platform. Capital on Tap makes it easy for small business owners to access funding for their business, manage their employees' expenses, and earn rewards on every pound their business spends. Launched in 2012, Capital on Tap has spent over 10 years focusing on the needs of small business owners. It has been recognised by Forbes and the Financial Times as one of Europe’s fastest-growing businesses. More than 200,000 small business customers have spent more than £10 billion on their Capital on Tap Business Credit Cards. Capital on Tap simplifies business funding and spending, saving business owners time and money. After a 2-minute application process, the majority of applicants receive instant credit decisions. UK business owners benefit from unlimited 1% cashback and credit limits extending up to £250,000, while our US customers enjoy 1.5% cashback and limits up to $50,000.

Company details

Company typeSME

IndustryFintech: Finance + Technology

Company size201 - 500

Links

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Job description

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!

Decision Engineer

Remote | Cardiff | London

The role

We're looking for a Decision Engineer to join our decisioning team here at Capital on Tap. This is a flexible role — you can work remotely, from our Cardiff office, or from our London office, whatever works best for you.

Our team owns and manages the platform (GDS) that powers the decisions we make on customer applications — things like policy rules and scorecards. You'll work closely with teams across the business to help make sure those decisions are accurate, fair, and running smoothly.

You don't need to have done everything on this list before. If you're analytical, enjoy problem-solving, and are keen to learn, we'd love to hear from you.

What you'll be doing

Building and maintaining the rules and logic that drive our automated customer decisions
Working with our Data Science, Credit, and Business Operations teams to understand what's needed and turn that into changes on the platform
Helping to monitor how our decisioning is performing and flagging anything that looks off
Investigating and fixing issues when decisions aren't behaving as expected
Contributing to improvements in how we work, based on data and your own observations
Collaborating with wider engineering and IT teams on data-related projects

What we're looking for

Some experience working with decision engines or rules-based platforms — ideally in financial services or fintech (tools like GDS Link, Experian PowerCurve, or Provenir are a plus, but not essential)
Comfort working with data — SQL experience is helpful, and some exposure to Python would be great
A methodical approach to problem-solving, with good attention to detail
Curiosity and a willingness to learn new tools and technologies
Good communication skills — you'll need to explain technical topics to people who aren't technical, and that's something we'll support you in developing

Other Info
👍Check out our ‘Top Tips’ for interviewing.
✔️Keep updated on new job opportunities by following us on Linkedin.
📧Email careers@capitalontap.com if you have any questions.

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.)