Collections Officer - Midnight Team, Remote

We’re Capital on Tap 👋
💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

📈Check out the development opportunities in the Collections team.

🏡🏢This is a remote role. You'll complete your first 2 weeks onboarding at our Cardiff office, then going forward you'll be required to attend the Cardiff office 2 days per quarter. 

Shifts
You’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 done Mon-Friday 9am-5:30pm for your first 4 weeks before you join the Midnight team.

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

• Strong communication skills, both verbal and written


• Financial acumen and experience with arrears management


• 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


• Ideally, you have qualifications like the Chartered Institute of Credit Management (CICM) or similar and 3+ years in financial services

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 £29,000 - £37,000 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 [email protected] 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.)