Collections Officer - Midnight Team

capitalontap

Remote

Posted Aug 21, 2026

Other
Remote
Customer Operations

Job description

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!

📈Check out the development opportunities in the Collections team.

🏡🏢This is a remote role. You'll be required to attend the Cardiff office 2 days per quarter.

Shifts
You’ll be part of our Midnight team, servicing a mixture of our UK & US customers. You’ll work Monday-Friday 3:30pm to midnight. Your training will be conducted Mon-Friday 9am-5:30pm for your first 4 weeks before you join the Midnight team.

What You’ll Be Doing
In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence.

Engage directly with customers to negotiate repayment plans
Analyse financial situations to create tailored solutions
Ensure adherence to GDPR, FCA, and FDCPA regulations
Handle customer complaints and resolve conflicts effectively
Prioritize multiple tasks while maintaining high-quality standards
Work with internal and external teams to support customer outcomes

We’re Looking For

Collections experience within financial services
Strong communication skills, both verbal and written
Proven ability to manage challenging customer interactions
Experience using multiple communication platforms (email, SMS, etc.)
Ability and skills to handle difficult conversations and deliver a fair customer outcome

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 believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play. From a pool table and PlayStation to a few office dogs roaming around, we’ve created a space where you can relax and recharge. Check out the perks we offer:

💷 Salary range £27,000 - £34,000 depending on experience
🏥 Private Healthcare including dental and optician 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
🏖️ 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.

Interview Process:
🤝First stage: 30 minute intro and values call with Talent Partner (Video call)
🤝Final stage: 60 minute CV overview with Team Leaders (Video call)

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.)