Collections Officer

Company Overview

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.

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

🏡🏢This is a Hybrid role. The Collections team works from our Cardiff City Centre Office 3 days per week, and 1 week in every 4 is fully remote. During your first 3 months you’ll be required to work 5 days a week in the office while you complete your training.

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

• At least 1 year of collections experience within financial services
• Strong communication skills, both verbal and written
• Proven ability to manage challenging customer interactions
• Ability and skills to handle difficult conversations and deliver a fair customer outcome

You’ll work 37.5 hours a week between 8am‑8pm Monday to Friday. The shifts are:

• 8am‑4:30pm
• 9am‑5:30pm
• 11:30am‑8pm (one week in every 4, fully remote that week)

🌈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.

• Salary range £27,000 - £35,000 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

🤝First stage: 30 minute intro and values call with Talent Partner (Video call)
🤝Final stage: 60 minute CV overview with Team Leaders (In person)

Excited to work here? Apply now. We aim to get back to you within 3 working days (during busy periods this could take up to 5 working days).