We’re Capital on Tap
Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

This is a Hybrid role, the Data Science team work from our London Offices 3 days per week.

Data Science Team at Capital on Tap

Are you a driven and dedicated Data Scientist looking to work in a fast-moving environment and initiate meaningful change?
We are looking for a talented and experienced credit risk modeller to join the Data Science team in the continued success of our rapid growth trajectory.

What You'll Be Doing

• Build, implement and monitor IFRS9 models across the UK and US
• Develop predictive models, influencing our strategy across the entire customer lifecycle from marketing through to collections
• Help coach and develop colleagues in various departments on data science tools and techniques, as well as taking a direct lead on the projects in these areas
• Collaborate with business stakeholders to ensure risk analysis can be implemented seamlessly without deterioration to customer experience or complex IT builds

We're Looking For

• 2-5+ years experience building statistical models in Python and extracting/manipulating data in SQL
• Commercial acumen and a robust understanding of the economics underpinning revolving credit portfolios gained through either consultancy or direct work in a financial institution
• Able to work autonomously and to display strong judgement and proactivity within a small credit team
• Experience with some of our data stack would be beneficial but this is not a requirement. We use Snowflake (SQL based), DBT, FiveTran. Python / JupyterLab. Looker. Kubernetes cluster, hosted in Azure.

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.

We work hard, but we also believe in celebrating our successes and fostering a vibrant culture. Our Cardiff office is designed to be a fun and collaborative space, complete with a couple of office dogs!

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
  ️ 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

Want to learn more about our values, mission, and benefits? Check out our careers pagehere .

First stage: 30 minute intro and values call with Talent Partner (Video call)
Second stage: 45 minute CV overview with a member of the Data Science team (Video call)
Third stage: On site interview with our Head of FP&A, and our CFO

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.)

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