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. …
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Design and build scalable back-end services for the Banking and Repayments platform using C#/.NET. Contribute to mobile development across iOS and Android to transition front-end ownership into the Banking team.
Requirements
Requires strong back-end engineering experience in C#/.NET and mandatory mobile development experience in Flutter, Kotlin, or Swift. Candidates must be proficient in testing practices and comfortable working autonomously in an Agile environment.
Full job description
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, £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!
🏡🏢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 Flutter Engineer, you'll own the mobile and work on the back-end systems that power our Banking and Repayments platform, helping transition mobile and front-end ownership from our Customer Experience team into Banking.
Own the full SDLC - from feature inception through to production, monitoring, and continuous improvement
Contribute to mobile development across iOS and Android using Flutter, Kotlin, and/or Swift
Collaborate with Product, Design, and QA from early feature shaping through to delivery
Write thorough unit and integration tests and uphold high engineering standards
Identify bottlenecks and drive improvements across the team
Work cross-functionally, bridging technical decisions with business goals
What We're Looking For
Mobile development experience in Flutter/Dart, Kotlin, or Swift - this is a firm requirement
Strong back-end engineering experience
Solid testing practice across unit and integration testing
Experience with CI/CD platforms such as CodeMagic or similar
Comfortable working in Agile environments
Autonomous and collaborative - you take ownership and see things through
Our Tech Stack
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.
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 (£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 benefits, values and mission here.
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.)
Capital on Tap provides an all-in-one small business credit card and spend management platform. Capital on Tap makes it easy for small business owners to access funding for their business, manage their employees' expenses, and earn rewards on every pound their business spends.
Launched in 2012, Capital on Tap has spent over 10 years focusing on the needs of small business owners. It has been recognised by Forbes and the Financial Times as one of Europe’s fastest-growing businesses. More than 200,000 small business customers have spent more than £20 billion on their Capital on Tap Business Credit Cards.
Capital on Tap simplifies business funding and spending, saving business owners time and money. After a 2-minute application process, the majority of applicants receive instant credit decisions. UK business owners benefit from unlimited 1% cashback and credit limits extending up to £250,000, while our US customers enjoy 1.5% cashback and limits up to $50,000.
Offices: Hylo Building, 103-105 Bunhill Row, Floors 6-8, London, England EC1Y 8LZ, GB · 33 Irving Place, Suite 3009, New York, New York 10003, US · Via do Castelo do Queijo 395, Piso 2, Loja 22 e 23, Porto, Porto 4100-429, PT
Business FundingSME FundingSME FinanceSmall Business FundingFinTechand Business Rewards CardFinanceCredit CardsFinTechFinancial Services
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