Capital on Tap

Collections Officer - Midnight Team

United Kingdom, United States full-time Mid $27,000 - $34,000
full-time Mid level Technology & IT Salary listed Curated
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About the role

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.
🏡🏢This is a remote role. You'll be required to attend the Cardiff office 2 days per quarter.
ShiftsYou’ll be part of our Midnight team, servicing a mixture of our UK & US customers. You’ll work Monday-Friday 3:30pm to midnight. Your training will be conducted Mon-Friday 9am-5:30pm for your first 4 weeks before you join the Midnight team.
What You’ll Be DoingIn 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 PerksWe 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 (Video call)

Other Info👍Check out our ‘Top Tips’ for interviewing.
✔️Keep updated on new job opportunities by following us on Linkedin.
📧Email 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.)

Originally posted on Himalayas

Interview prep

Walk in with sharper answers.

Use this as a quick practice sheet before you speak with the employer.

Mid
Technology & IT Remote Collaboration Collections Officer Midnight Technology Mid level

Likely questions

  1. Tell us about work you have done that is close to the Collections Officer - Midnight Team role.
  2. How would you approach your first 30 days at Capital on Tap?
  3. Which of Remote Collaboration, Collections and Officer have you used recently, and what did it help you achieve?
  4. Describe a time you solved a problem without waiting to be told exactly what to do.
  5. How do you handle busy days, changing priorities, or pressure at work?

Prepare before the call

  • A recent example that proves your experience with Remote Collaboration, Collections and Officer.
  • One short story with a problem, your action, and the result.
  • Two examples that show the strengths listed on your CV.
  • A clear reason why this role and company interest you.
  • Your availability, preferred work style, and salary expectations.

Ask them

  • What would success look like in the first 90 days?
  • What are the main problems this hire should help solve?
  • How does the team give feedback and measure good work?
  • What does a normal working week look like for this role?
Practice line

I am interested in the Collections Officer - Midnight Team role because I can bring practical experience in Remote Collaboration, Collections and Officer, learn the team quickly, and contribute to the outcomes Capital on Tap needs from this hire.

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