<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 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.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.&nbsp;</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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!&nbsp;</span></p></div><p></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"></span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🏢 This is a Hybrid role, working from our London (Moorgate) offices 3 days per week.</span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>Finance at Capital on Tap</strong></span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Our Finance team sits at the heart of everything we do, working across our UK and US entities and collaborating closely with the rest of the business to keep our financial foundations solid as we grow. We're a lean, high-ownership team - you'll get real breadth across the finance function and plenty of room to shape how things are done as we scale.</span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>What You'll Be Doing</strong></span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">We're hiring a <strong>Senior Data Scientist</strong> to join Capital on Tap, reporting to the <strong>Head of FP&amp;A.</strong></span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">You'll own two linked workstreams - <strong>IFRS9 Expected Credit Loss (ECL)</strong>, and <strong>portfolio modelling</strong> that feeds the financial model to produce forecasts. The work spans the UK and US revolving credit books, sitting close to Finance, Risk and Data Science.</span></p> <p class="font-claude-response-body break-words whitespace-normal"><strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Tech stack: Snowflake, dbt, Fivetran, Python, JupyterLab, Omni, and Kubernetes on Azure.</span></strong></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">ECL</span></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Build, calibrate, implement and monitor IFRS9 models (PD, LGD, EAD), including staging/SICR logic and macroeconomic overlays.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Run and harden month-end ECL production - scenario runs, combined outputs, and result checks into Snowflake.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Support provisioning, impact analysis and year-end submissions with clear audit trails and documentation.</span></li> </ul> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Portfolio Modelling</span></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Develop and maintain the portfolio model that feeds the financial model - active customers, balances, funding, repayments, finance charges and bad debt.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Build and backtest forecasting components (spend, cashflow, cohort/segment rate curves) in Python and dbt.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Diagnose drift, recalibrate assumptions and overlays, and deliver forecast inputs Finance can trust.</span></li> </ul> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Across Both</span></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Partner with FP&amp;A, Risk and other stakeholders so model outputs land cleanly in the financial forecast, without unnecessary process or IT complexity.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Improve monitoring, automation and documentation so monthly cycles are repeatable and explainable.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Use AI tools confidently across the workflow, and help the team adopt practical AI-assisted ways of working.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Coach colleagues on modelling methods and our data tools where needed.</span></li> </ul> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>We're Looking For</strong></span></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">2-5+ years building statistical/credit risk models in Python, and extracting and shaping data in SQL.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Credit risk modelling experience, ideally IFRS9 ECL (PD/LGD/EAD), staging and model monitoring - or a clear desire to build that expertise quickly.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Commercial understanding of revolving credit economics (utilisation, arrears, default, recoveries, portfolio growth).</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Comfort working end-to-end - from analysis and calibration through to production runs and stakeholder-ready forecast inputs.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Curiosity and judgement in applying AI to modelling and engineering work, while keeping outputs explainable and controlled.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Ability to work autonomously with strong judgement and proactivity in a small team.</span></li> </ul> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>Nice to Have</strong></span></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Experience with some of our stack is helpful - Snowflake, dbt, Fivetran, Python, JupyterLab, Omni, Kubernetes on Azure.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Experience feeding portfolio/behavioural models into an FP&amp;A or financial planning model.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Familiarity with LightGBM or similar gradient-boosted models for behavioural forecasts.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Exposure to model change control, independent validation, or year-end ECL disclosure packs.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Prior work across both UK and US (or multi-region) credit portfolios.</span></li> </ul> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"></span></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"></span></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>Diversity &amp; Inclusion</strong>&nbsp;🌈</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">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.</span></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"><strong>Great Work Deserves Great Perks</strong></span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🏥 Private Healthcare including dental and opticians services through Vitality</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">✈️ Worldwide travel insurance through Vitality<br>❤️ Access to a reproductive and hormonal health platform via Hertility</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">👛 Salary Sacrifice Pension Scheme up to 7% match<br>🚘 Octopus EV Salary Sacrifice Scheme</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🏖️ 28 days holiday (plus bank holidays)</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">📖 Annual Learning and Wellbeing Budget</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">👪 Enhanced Parental Leave</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🚲 Cycle to Work Scheme</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🚂 Season Ticket Loan</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">💬 6 free therapy sessions per year</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🐶 Dog Friendly Offices</span><br><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">🍫 Free drinks and snacks in our offices</span></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Check out more of our benefits, values and mission<a href="https://www.capitalontap.com/en/company/careers/"> here</a>.<br><br>#LI-DNI</span></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">#LI-DNP</span></p> <p></p> <p></p> <p><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;"></span></p> <p></p><div class="content-conclusion"><p><strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Other Info<br></span></strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">👍Check out our&nbsp;<a href="https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/">‘Top Tips’ for interviewing.</a><br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">✔️Keep updated on new job opportunities by following us on <a href="https://www.linkedin.com/company/capital-on-tap">Linkedin</a>.<br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">📧Email <a ---------- if you have any questions.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Excited to work here? Apply!<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.)</span></p></div>

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