Lead Data Analyst; Card Fraud

About the Company

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, £20 bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we’re profitable.

This is a hybrid role in our London (EC1Y 8LZ
) office, 3 days per week.

We’re looking for a Senior/Lead Card Fraud Data Analyst/Analytics Manager to join our Fraud team. This is a hands‑on, high‑ownership role – you’ll take direct responsibility for our fraud systems end‑to‑end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.

• Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
• Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
• Own rules end‑to‑end. You spot the pattern, you build the detection, you monitor the outcome.
• Work across card and lending data to understand how our customers behave and where fraud risk sits in our specific product set.
• Contribute to fraud strategy as the team grows, including input into ML‑based detection further down the line.
• A strong data analyst background in a fintech or digital lending environment. You know what SMB or consumer transaction data looks like and you’re comfortable working with messy, high‑volume datasets.
• SQL you can actually use. CTEs, window functions, the difference between WHERE and HAVING. You’ll also be tested on this at the case study stage.
• A genuine builder instinct. You don’t wait to be told there’s a problem. You find it in the data and you fix it.
• Experience working end‑to‑end on analytical problems. Not handing logic to a tech team. You own it through to deployment.
• Comfortable in a small, fast‑moving team where the answer isn’t always obvious and you have to work it out yourself.

• Direct experience working in card fraud – ideally within a bank, card issuer, or fintech operating on the issuing side.
• Hands‑on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
• Experience with APP fraud or faster payment fraud systems is a strong bonus.

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.

Our benefits include:

• 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.
• Six free therapy sessions per year.
• Dog‑friendly offices.
• Free drinks and snacks in our offices.