Decision Engineer

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! Decision Engineer Remote | Cardiff | London The role We're looking for a Decision Engineer to join our decisioning team here at Capital on Tap. This is a flexible role — you can work remotely, from our Cardiff office, or from our London office, whatever works best for you. Our team owns and manages the platform (GDS) that powers the decisions we make on customer applications — things like policy rules and scorecards. You'll work closely with teams across the business to help make sure those decisions are accurate, fair, and running smoothly. You don't need to have done everything on this list before. If you're analytical, enjoy problem-solving, and are keen to learn, we'd love to hear from you. What you'll be doing Building and maintaining the rules and logic that drive our automated customer decisions Working with our Data Science, Credit, and Business Operations teams to understand what's needed and turn that into changes on the platform Helping to monitor how our decisioning is performing and flagging anything that looks off Investigating and fixing issues when decisions aren't behaving as expected Contributing to improvements in how we work, based on data and your own observations Collaborating with wider engineering and IT teams on data-related projects What we're looking for Some experience working with decision engines or rules-based platforms — ideally in financial services or fintech (tools like GDS Link, Experian PowerCurve, or Provenir are a plus, but not essential) Comfort working with data — SQL experience is helpful, and some exposure to Python would be great A methodical approach to problem-solving, with good attention to detail Curiosity and a willingness to learn new tools and technologies Good communication skills — you'll need to explain technical topics to people who aren't technical, and that's something we'll support you in developing Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com 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.)