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!
📍 London (Moorgate) | 🏢 3 Days in Office | 💰Competitive Salary + Bonus Scheme + Benefits (listed below)
The Role🚀
Over the next 12 months, we want to triple our ability to build great products for our customers and become an AI-first business. Our CEO is personally sponsoring this as a company priority. We’re looking for someone to lead it for our Product and Engineering teams.
As Head of AI Engineering & Enablement, you'll own how Capital on Tap uses AI to design, build, test and ship software. You'll set AI strategy across Product and Engineering, lead a small, elite AI Enablement team, and work hand in hand with every product team to change how they work, not just which tools they use. You'll report to our CTO and work closely with our CEO.
What You’ll Be Doing 🗃️
- Set the plan: In your first 30 days, baseline how fast and how well we build today. Then set out a 12-month plan to triple it, with clear measures the leadership team tracks.
- Rebuild how we ship: Redesign our software delivery lifecycle around agentic AI, from spec through code, review, testing and release, and make it the default in every product team.
- Own the AI engineering stack: Lead decisions on AI developer tooling, model access, AI gateway and evaluation, balancing capability, cost and vendor independence.
- Move fast, safely: Partner with InfoSec, Data Protection, Risk and Compliance to set guardrails that let us move quickly in an FCA-regulated business.
- Run the team: Lead our AI Enablement team to change how we build
What Success Looks Like in 12 Months 📅
- We're delivering roughly three times the customer value per quarter, against the baseline you set
- AI-native ways of working are the default in every product and engineering team, not a side project
- Robust, auditable guardrails our risk and compliance teams trust
- A team and playbook that keep compounding without you in the room
We’re Looking For 🔎
- You've led an AI-driven transformation in how a product and engineering organisation builds software, with measurable results to show for it.
- Deep, hands-on experience with agentic coding tools and LLM-based workflows. You still build platforms and systems, and you have strong opinions on where these tools work and where they don't.
- You've built and led high-performing engineering teams on strong technical foundations. C#/.NET and Azure experience is a big plus
- Bonus points for experience with introducing agentic AI into infrastructure, observability and data pipelines
- Commercial judgement to think in cost, ROI and customer outcomes, plus experience in a regulated environment designing controls that enable rather than block
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 a competitive advantage.
- Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
- Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
- Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.
Interview Process 🤝
- Stage 1: 30min Video Call with Talent Partner
- Stage 2: 45min Video Call, AI Transformation Walkthrough
- Stage 3: 2hours On-Site, Case Study + Meet the CTO + Meet the CEO (if successful in the Case Study)
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
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 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.)
Skills Required
- Experience leading an AI-driven transformation in how a product and engineering organization builds software, with measurable results
- Deep hands-on experience with agentic coding tools and LLM-based workflows
- Experience building platforms and systems and assessing where AI coding tools are effective
- Experience building and leading high-performing engineering teams on strong technical foundations
- C#/.NET and Azure experience
- Experience introducing agentic AI into infrastructure, observability, and data pipelines
- Commercial judgment involving cost, ROI, and customer outcomes
- Experience designing enabling controls in a regulated environment
Capital on Tap Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Capital on Tap and has not been reviewed or approved by Capital on Tap.
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Fair & Transparent Compensation — Pay is often described as competitive for the work, with operations and night‑shift roles frequently citing strong base salary. Overall sentiment indicates financial compensation is considered fair to strong across many teams.
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Strong & Reliable Incentives — Performance-related bonuses are available in several roles, and feedback suggests they can be achievable and meaningfully supplement income. Sales or shift-based structures are highlighted as offering solid earning potential when targets are met.
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Leave & Time Off Breadth — The package includes PTO, paid holidays, and a paid sabbatical after four years, alongside a defined learning budget. These time-off and development elements stand out as notable strengths in the overall offering.
Capital on Tap Insights
What We Do
Capital on Tap makes it easy for small businesses to manage their business spending, access funding, and earn best-in-class rewards. More than 200,000 small businesses have spent $5 billion on their Capital on Tap Business Credit Cards across the US and UK. The Capital on Tap Business Credit Card is issued by WebBank.
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