Collections Officer - Midnights Team

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!

Check out the development opportunities in the Collections team.

Remote

Shifts - 37.5 hours per week Monday - Friday between 3:30pm - midnight.

What You'll Be Doing

In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You'll be an empathetic and professional communicator, striving to resolve issues with patience and persistence.

• Engage directly with customers to negotiate repayment plans
• Analyse financial situations to create tailored solutions
• Ensure adherence to GDPR, FCA, and FDCPA regulations
• Handle customer complaints and resolve conflicts effectively
• Prioritize multiple tasks while maintaining high-quality standards
• Work with internal and external teams to support customer outcomes

We're Looking For

• Collections experience within financial services
• Strong communication skills, both verbal and written
• Proven ability to manage challenging customer interactions
• Experience using multiple communication platforms (email, SMS, etc.)
• Ability and skills to handle difficult conversations and deliver a fair customer outcome

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 believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play. From a pool table and PlayStation to a few office dogs roaming around, we've created a space where you can relax and recharge. Check out the perks we offer:

Salary range £27,000 - £34,000 depending on experience

Private Healthcare including dental and optician 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

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

Interview Process:

First stage: 30 minute intro and values call with Talent Partner (Video call)

Final stage: 60 minute CV overview with Team Leaders (In person)

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.)