Risk Analyst

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 (EC1Y 8LZ) Offices 3 days per week.

Risk Analytics at Capital on Tap

Risk Analytics sits at the heart of how we make decisions across Credit, Fraud and Financial Crime. We're a tight-knit team of analysts and data scientists who don't just answer questions — we own risk problems end-to-end, from spotting them in the data to shipping the models, strategies and tooling that solve them.

What You’ll Be Doing

This is a hands-on data role, working across the fraud and fincrime domains. You’ll be writing complex SQL queries to interrogate transaction and customer data, identify anomalies, and surface emerging risk patterns.: 

• Design and build fraud and financial crime detection rules from scratch, set thresholds based on data, and iterate based on real-world performance.


• Own rules end-to-end. You spot the gap, you build the fix, you monitor the outcome.


• Work across lending and card data to understand how our customers behave and where fraud and fincrime risk sits in our specific product set.


• Support investigation and escalation workflows to specialist operations teams.


• Collaborate with Compliance, Risk, and Product to embed risk controls at the product layer.


• Contribute to the ongoing improvement of our transaction monitoring approach as the function matures.

We’re Looking For

• A strong data analyst background in a fintech or digital lending environment. You know what SMB transaction data looks like and you're comfortable working with messy, high-volume datasets.


• SQL you can actually use. CTEs, window functions, the difference between WHERE and HAVING.


• A genuine builder instinct. You don't wait to be told there's a problem. You find it in the data and you fix it.


• Experience working end-to-end on analytical problems. Not handing logic to a tech team. You own it through to deployment.


• Comfortable in a small, fast-moving team where the answer isn't always obvious and you have to work it out yourself.

Useful but not essential

• Experience building data pipelines in dbt. 


• Python or R for analysis beyond SQL.


• Hands-on Financial Crime experience including sanctions/PEPs screening, transaction monitoring platforms, and regulated reporting.


• Hands-on credit card fraud experience including application and card fraud.

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 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:
🏥 Private Healthcare including dental and opticians 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.

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.)