Senior Payments Operations Manager

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!

📍 Manchester | 🏢 3 days per week in office

Payment Operations/Customer Operations 🚀
You will be the first person in our brand new payments and cards team at Capital on Tap. You will be responsible for the execution, reconciliation, and troubleshooting of multi-currency payment rails and card infrastructure across the US and UK markets

What You’ll Be Doing 🗃️

• Take full accountability for architecting and running our newly created Payment Operations department in a fast paced environment, converting strategic business goals into a nimble, highly efficient, and customer-centric operational reality.

• Manage daily transaction workflows, clearing real-time payment queues and resolving exceptions across Faster Payments and CHAPS infrastructure to maintain optimal intraday liquidity and uninterrupted payment flows.

• Manage and scale card operations, taking frontline accountability for payment recalls, and the end-to-end offline payment chargeback dispute pipeline.

• Oversee the operational execution of the UK Direct Debit scheme, ensuring robust controls are in place to manage the indemnity claim process efficiently while protecting business balances.

• Build and oversee strong control frameworks to reduce financial loss and operational risk.

• Act as the primary operational contact for critical partners (e.g., ClearBank, Pay.UK), driving daily scheme compliance, monitoring infrastructure health, and resolving complex transaction bottlenecks.

• Define and track KPIs to measure performance

• Serve as the final frontline escalation point for payment system outages or processing drops, driving quick resolution and conducting post-incident reviews to prevent future issues.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.

• Why Not Today? Fast is as slow as we go - speed and simplicity gives us…