Risk Analyst

Risk Analytics at Capital on Tap

This hybrid role is based in our London offices (EC1Y 8LZ
) and requires 3 days per week on site.

• Working on fraud and financial crime risk: writing complex SQL queries to interrogate transaction and customer data, identify anomalies, and surface emerging risk patterns.
• Designing and building fraud and financial crime detection rules from scratch, setting thresholds based on data and iterating based on real‑world performance.
• Owning rules end‑to‑end: spotting gaps, building fixes, and monitoring outcomes.
• Working across lending and card data to understand customer behaviour and risk within our product set.
• Supporting investigation and escalation workflows to specialist operations teams.
• Collaborating with Compliance, Risk and Product to embed risk controls into the product layer.
• Contributing to the ongoing improvement of our transaction monitoring approach as the function matures.

• A strong data analyst background in a fintech or digital lending environment, comfortable working with messy, high‑volume SMB transaction data.
• SQL skills that include CTEs, window functions, and understanding of WHERE vs HAVING.
• A proactive builder instinct: you find problems in data and fix them.
• Experience owning analytical problems end‑to‑end, from logic to deployment.
• Comfortable working in a small, fast‑moving team where solutions are often self‑derived.

• Experience building data pipelines in dbt.
• Python or R for analysis beyond SQL.
• Hands‑on financial crime experience including sanctions/PEPs screening, transaction monitoring platforms, and regulated reporting.
• Hands‑on credit card fraud experience including application and card fraud.

We welcome and encourage applicants from all backgrounds to apply. We strive for an inclusive environment where everyone can thrive.

• Private Healthcare including dental and opticians services through Vitality.
• Worldwide travel insurance through Vitality.
• Annual 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.

For more information, contact