Senior Decision Engineer

About this 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!

The role

As a Senior Decision Engineer, you'll be a key member of our IT department's decisioning team. We own and manage the decisioning platform (GDS), where we implement customer flows, policy rules, and scorecards. You will play a crucial role in ensuring we make accurate decisions for all new applications by working closely with various teams across the company.

You should be a highly analytical and detail-oriented individual with the ability to understand and align your work with the broader business strategy. You will be expected to quickly learn new technologies and thrive in a collaborative team environment.

This position is an excellent opportunity to take on significant responsibility, lead key projects, and directly impact the success of our underwriting processes within the fast-paced financial services industry.

What you’ll be doing

• Lead the full development lifecycle from design to implementation of our decisioning platforms.

• Architect and maintain underwriting rules, ensuring they are robust, scalable, and aligned with business objectives, regulatory requirements, and industry best practices.

• Design and implement advanced monitoring and alerting systems to ensure the integrity and performance of automated decisioning.

• Collaborate proactively with Data Science, Credit, and Business Operations teams to define requirements and implement complex updates to decisioning logic.

• Serve as a subject matter expert, working with wider IT and Engineering teams to shape data architecture and ensure the availability of reliable data for underwriting.

• Conduct in-depth analysis to identify, troubleshoot, and resolve decisioning anomalies and underlying issues.

• Drive the continuous optimisation of our underwriting and decisioning processes through data-driven insights and strategic initiatives.

We're Looking For