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
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Decision Engineer

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Job details

Capital on Tap