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 Programme

We’re looking for up to 5 graduates to join Capital on Tap in September 2026!

You won’t be working on theoretical side projects. Over this 18-month programme, you’ll complete three six-month rotations across our either our core analytical (risk, growth, fraud) or operational (BizOps, Funding, FinCrime, FP&A) teams.

Working on real projects, solving real problems, and impacting real customers. You'll be based in our London (Moorgate) office 3-4 days a week working with a wide range of stakeholders.

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.

What we’re looking for

2025 or 2026 Graduate: Maths, Economics, Computer Science, Physics (or similar).

Curious Problem Solver: Figure out how things work, find the problems, and fix them.

Self-Starter: You take ownership, keep it simple, and don’t wait to be told what to do.

Interview Process

Application Deadline: Wednesday 24th June

Online Assessment: Short 20-minute assessment

Video Call: Video call with a Talent Partner

Assessment Day: In Person Assessment Day at our London office (mid-late July)

Start Date: Monday 7th September 2026

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
🏥 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.

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.)

Graduate Programme September 2026

Job Description

Skills & Requirements