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. 7 stars, and we're profitable.

We’ve done a pretty good job so far, but we’re just getting started! 🏡🏢This is a Hybrid role, the team work from our London Offices 2 days per week. The Team The Banking and Repayments teams sit at the heart of Capital on Tap's product, owning the core account experience for thousands of small business customers.

Banking manages account operations, transaction lifecycles, balance management, ClearBank integration, and savings. Repayments owns the repayment rails, including the most recent open banking repayments. We value engineers who take genuine ownership, work autonomously, and bring depth across the stack.

This is a high-priority hire with real impact from day one. What You'll Be Doing As a Senior mobile and backend Software Engineer, you'll own the back-end systems that power our Banking and Repayments platform , while also contributing to mobile - helping transition mobile and front-end ownership from our Customer Experience team into Banking.

What We'Re Looking For

NET Core Mobile: Flutter, Dart, Riverpod, GoRouter, Kotlin, Swift Databases: SQL Server, MongoDB, Firestore Cloud: GCP (Firebase) and Azure CI/CD: CodeMagic 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.

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.

Benefits

: 🏥 Private Healthcare including dental and opticians 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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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

, values and mission here . Other Info 👍Check out our ‘Top Tips’ for interviewing.

Mobile and Backend Software Engineer - Banking