Credit Underwriter

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! 🏡🏢This is a Hybrid role, in our London (Moorgate) Office 3 days per week. Credit Underwriting: Underwriters are at the heart of Capital on Tap as they allow us to grow our portfolio whilst keeping bad debt within appetite. We expect you to question the strategy, spot patterns the data team has not yet picked up, and bring decisions back into the room when something does not look right. Our automated decision engine handles the majo...