Lead Data Analyst- Card Fraud

Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.

Today were 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.

1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were just getting started!

This is a Hybrid role in our London (EC1Y 8LZ
) Offices 3 days per week.

What Youll Be Doing

Were looking for a Senior/Lead Card Fraud Data Analyst/ Analytics Managerto join our Fraud team. This is a hands-on high-ownership role - youll 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.

Were Looking For

• A strong data analyst background in a fintech or digital lending environment. You know what SMB or consumer transaction data looks like and youre comfortable. working with messy high-volume datasets.
• SQL you can actually use. CTEs window functions the difference between WHERE and HAVING. Youll be tested on this at case study stage.
• A genuine builder instinct. You dont wait to be told theres 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 isnt always obvious and you have to work it out yourself.

Nice to have

• 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.

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 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:
Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Anniversary Rewards (-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 ourTop Tips for interviewing.
Keep updated on new job opportunities by following us on Linkedin.
Email if you have any questions.

Excited to work here Apply!
If youd 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.)

Required Experience:

IC