Senior Payments Operations Manager
<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 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.</span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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. </span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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! </span></p></div><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">📍 Manchester | 🏢 3 days per week in office </span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Payment Operations/Customer Operations 🚀</strong><strong><br></strong>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</span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What You’ll Be Doing 🗃️</strong></span></p>
<ul>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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. </span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Manage and scale card operations, taking frontline accountability for payment recalls, and the end-to-end offline payment chargeback dispute pipeline.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Build and oversee strong control frameworks to reduce financial loss and operational risk.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Define and track KPIs to measure performance </span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.</span></li>
</ul>
<p> </p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Our Values & Culture 🌞</strong></span></p>
<ul>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Just Pilot:</strong> We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Why Not Today? </strong>Fast is as slow as we go - speed and simplicity gives us a competitive advantage.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Be a Buddy:</strong> We tap in from day one to help the team, we do the right thing even if it’s hard.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Owners and Dates:</strong> We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Feedback: </strong>We want our employees to flourish, so we regularly provide direct and constructive feedback.</span></li>
</ul>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Looking For 🔎</strong></span></p>
<ul>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Substantial leadership experience in financial services and card/payments scaling, with deep structural knowledge of UK and US domestic clearing systems (Faster Payments, CHAPS, Fedwire, ACH) and frontline settlement mechanisms, specifically optimised for high-velocity, high-value business and corporate transactions. </span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving. </span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">A proven track record of leading high-performing teams in a fast-paced environment.</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.</span></li>
</ul>
<p> </p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Interview Process 🤝</strong></span></p>
<ul>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 1: 30 minutes with a Talent Partner</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 2: 60 minutes with a Head of</span></li>
<li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 3: 60 minutes with the Customer Operations Director</span></li>
</ul>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Diversity & Inclusion</strong> 🌈</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.</span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Great Work Deserves Great Perks</strong><strong><br></strong>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:</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏥 Private Healthcare including dental and opticians services through Vitality</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">✈️ Worldwide travel insurance through Vitality</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">👛 Salary Sacrifice Pension Scheme up to 7% match</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🚘 Octopus EV Salary Sacrifice Scheme</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏖️ 28 days holiday (plus bank holidays)</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">📖 Annual Learning and Wellbeing Budget</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">👪 Enhanced Parental Leave</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🚲 Cycle to
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