Product Manager

We're Capital on Tap ðð3 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!

Location:

London | 3 days in officeProduct at Capital on TapOur Product team sits at the heart of everything we build. We move fast, work closely with engineering, and obsess over outcomes for our customers.

Product is organised into focused areas, each owning a distinct part of the customer and business journey: Money movements and Banking products - our business banking propositionCredit Products & Collections - credit lines, limits, pricing and collectionsCustomer Experience - the ongoing relationship customers have with us after activationOperational Excellence - the tools and processes that make our internal teams more effectiveAcquisition & Onboarding - how new and existing customers sign up and get activatedFraud & FinCrime - protecting customers and the business from fraud and financial crimePlatform - the shared capabilities and infrastructure that other product areas build onWe're hiring a Product Manager to join this team. We will decide, together with you, which of these areas is the best fit at the end of the hiring process - so you don't need to know in advance which team you'll land in. What matters is that you bring strong generalist product management skills that can flex across any of these areas.

What You'll Be DoingOwning the end-to-end design and delivery of a customer or business journey within your product areaMapping the full journey including "unhappy paths", where customers drop off, get flagged, or need manual intervention, and optimising for efficiencyDriving discovery and competitor research to identify opportunities for improvementCollaborating with engineers and designers to scope solutions, balancing customer experience with system architecture and compliance requirementsPresenting recommendations to stakeholders and driving delivery through to completionThinking longer-term about platform capabilities, building reusable, configurable components that scale rather than being rebuilt for every productUsing data and customer insight to prioritise the right problems, not just the loudest onesWhat We're Looking For2+ years of experience in product management, with a track record of owning projects end-to-end and delivering impactful outcomes rather than just outputsComfort working across both front-end user experience and back-end system architectureEither existing knowledge of financial services and compliance concepts (for example KYC, KYB, IDV), or direct journey optimisation experience, ideally bothStrong organisational skills to thrive in chaos and remain calm under everyday pressure of workload and deliveryThe ability to synthesise large amounts of information and distil a problem down to its essenceExperience partnering with Product and Engineering to communicate direction to stakeholdersHigh level of trust and strong judgment when making autonomous product decisionsSubject matter mastery over your domain, with strong communication, facilitation, and end-to-end delivery ownershipOur Hiring BarAlongside the role-specific experience above, every Product Manager candidate is assessed against a shared set of traits that we look for regardless of level or product area.

Ships fast to customers - Gets things live quickly rather than over-polishing before release. Comfortable with iterative, incremental delivery.

Deals with ambiguity, adapts when priorities or requirements shift - Doesn't need a fully-formed brief to start moving. Handles the plan changing mid-flight without getting stuck.

Commercial acumen - Understands the business, the strategy, and how their product area drives outcomes such as revenue, retention or cost, not just delivery for its own sake.

Hungry to learn, no ego - Wants to develop, asks questions, takes feedback well. AI curious - Actively uses or explores AI tools in their day-to-day work, rather than treating it as someone else's job.

Strong exec-level communication - Confident presenting up, comfortable being challenged, backs decisions with evidence rather than opinion.

Self starter - Moves without waiting to be told or chased. Takes ownership of problems even outside a strict brief.

Depth - Can go beyond the surface on their own product area - understands the mechanics, edge cases and trade-offs, not just the headline feature.

The bar for evidence scales with seniority, but the traits themselves don't change. We use this alongside role-specific technical and experience criteria at every stage of the process.

Interview ProcessStage 1: A quick 30-minute virtual intro with our Talent team to get to know you.

Stage 2: Meet a Senior/Lead Product Manager for 60 minutes. We can host you in the office or meet virtually.

Stage 3: A 60 minute office interview with 2-3 members of the wider Product team + a 30 minute Interview with the Director of Product.

Stage 4: A 30-minute chat with the CEO.Diversity & Inclusion ðWe 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 PerksWe 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:ð Private Healthcare including dental and opticians services through Vitality Worldwide travel insurance through Vitalityð Anniversary Rewards (250, 500, 750, 4-week fully paid sabbatical)ð Salary Sacrifice Pension Scheme up to 7% matchð Octopus EV Salary Sacrifice Schemeð 28 days holiday (plus bank holidays)ð Annual Learning and Wellbeing Budgetða Enhanced Parental Leaveð2 Cycle to Work Schemeð Season Ticket Loanð 6 free therapy sessions per yearð¶ Dog Friendly Officesð« Free drinks and snacks in our officesCheck out more of our benefits, values and mission here.

Other InfoðCheck out our 'Top Tips' for interviewing.

Keep updated on new job opportunities by following us on Linkedin.ð§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.)