Lead Software Engineer

Capital on Tap

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 Engineering team work from our London (Moorgate) Offices 2 days per week. This is a multiple headcount role, so please don't be put off if you've seen this advertised for a while. What You’ll Be Doing   As a Lead Software Engineer at Capital on Tap, you'll be a highly experienced, deeply hands-on engineer who shapes how we build. You'll spend the majority of your time writing and reviewing code, designing systems, and solving complex technical problems; while naturally becoming the go-to technical authority your fellow engineers rely on. You'll work closely with other Technical Leaders, Product Managers, and the wider Engineering Group to deliver high-impact features and ensure our systems scale with the business. * Stay deeply hands-on in day-to-day software development, setting the technical standard through the quality of your own work * Design and evolve microservices and distributed systems that are scalable, resilient, and maintainable * Act as the technical authority in your area; you'll be the person engineers turn to when they hit a hard problem * Conduct thorough code reviews and share knowledge that raises the bar across the team * Lead high-impact projects from concept to delivery, making pragmatic architecture decisions along the way * Collaborate closely with Product, QA, and Team Leads to align technical execution with business goals * Identify and mitigate technical risk proactively, keeping delivery on track * Champion engineering best practices, including adoption of AI tools and automation   We’re Looking For 🔎   * Extensive commercial experience with C# and .NET, capable of writing clean, well-tested, production-grade code * Strong experience designing and building microservices and distributed systems * Solid grounding in RESTful API design and Azure cloud development * Deep familiarity with modern software development practices and scalable system architecture * Experience working cross-functionally with Product, QA, and other stakeholders * Pragmatic approach to delivery; you know how to ship an MVP and iterate with purpose * Ability to embed deeply within an engineering group, building strong domain knowledge over time and becoming a trusted technical voice across the team and wider business * React or fullstack experience is a plus     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 🏖️ 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. Interview Process 🤝 * First stage: 30 minute intro call with Talent Partner * Second stage: 45 minute "Tech Chat" & Values Interview with an Engineering Managers & People Partner * Third stage: 60 minute Code Pairing with 2x members of our engineering team * Final stage: 60 minute Case Study with Product & Engineering + 60 minute Good to Great Interview with our CTO (onsite)   Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧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.)

Faculty

WHY FACULTY? We established Faculty in 2014 because we thought that AI would be the most important technology of our time. Since then, we’ve worked with over 350 global customers to transform their performance through human-centric AI. You can read about our real-world impact here. We don’t chase hype cycles. We innovate, build and deploy responsible AI which moves the needle - and we know a thing or two about doing it well. We bring an unparalleled depth of technical, product and delivery expertise to our clients who span government, finance, retail, energy, life sciences and defence. Our business, and reputation, is growing fast and we’re always on the lookout for individuals who share our intellectual curiosity and desire to build a positive legacy through technology. AI is an epoch-defining technology, join a company where you’ll be empowered to envision its most powerful applications, and to make them happen. ABOUT THE TEAM In our Professional and Financial Services Business unit, we bring everything we have learned in more than a decade of Applied AI, and use it to help our clients navigate a rapidly changing landscape. We develop and embed AI solutions which help financial institutions become more efficient, enhance customer experience, and find the commercial upside in uncertain markets. Within the constraints of a highly regulated industry, we see so much opportunity for impactful innovation and are proud to set the gold-standard for marrying technical excellence with safe deployment. #LI-PRIO ABOUT THE ROLE As a Lead Software Engineer, you'll spearhead the technical direction and delivery of complex, innovative AI projects. You will act as a technical expert, applying your skills across various projects from AI strategy to client-side deployments, while ensuring architectural decisions are sound and reliable. This role demands a balance of deep technical expertise and strong leadership, focusing on driving innovation, fostering team growth, and building reusable solutions across the organisation. If you're ready to manage high-risk projects and deliver practical, innovative outcomes, this is your chance to shape our future. WHAT YOU'LL BE DOING * Acting as the primary technical authority for enterprise clients, guiding projects from discovery to production deployment. * Leading and mentoring a squad of engineers, empowering them to deliver their best work. * Implementing scalable and future-proof front and backend engineering patterns and practices. * Translating complex customer needs and implementation challenges into actionable feedback to shape the next phase of a project. * Distilling complex technical concepts for diverse audiences, from client-side engineers to senior business stakeholders.   WHO WE'RE LOOKING FOR * You have proven ability to distill complex technical concepts for a wide range of audiences. * You bring strong, hands-on experience in full-stack development, with a deep understanding of system architecture and design. * You are an expert in Python and TypeScript/React. * You possess solid knowledge of CI/CD pipelines (e.g., GitLab), Docker, and deploying applications on Kubernetes. * You have a demonstrated history of championing automated testing strategies to ensure robust and reliable code. * You have a genuine passion for working with customers, understanding their problems, and delivering solutions that provide immediate value. OUR INTERVIEW PROCESS 1. Talent Team Screen (30 minutes) 2. Pair Programming Interview (90 minutes) 3. System Design Interview (90 minutes) 4. Commercial & Leadership Interview (60 minutes) OUR RECRUITMENT ETHOS We aim to grow the best team - not the most similar one. We know that diversity of individuals fosters diversity of thought, and that strengthens our principle of seeking truth. And we know from experience that diverse teams deliver better work, relevant to the world in which we live. We’re united by a deep intellectual curiosity and desire to use our abilities for measurable positive impact. We strongly encourage applications from people of all backgrounds, ethnicities, genders, religions and sexual orientations. Some of our standout benefits: * Unlimited Annual Leave Policy * Private healthcare and dental * Enhanced parental leave * Family-Friendly Flexibility & Flexible working * Sanctus Coaching * Hybrid Working If you don’t feel you meet all the requirements, but are excited by the role and know you bring some key strengths, please don't hesitate in applying as you might be right for this role, or other roles. We are open to conversations about part-time hours.

Faculty

WHY FACULTY? We established Faculty in 2014 because we thought that AI would be the most important technology of our time. Since then, we’ve worked with over 350 global customers to transform their performance through human-centric AI. You can read about our real-world impact here. We don’t chase hype cycles. We innovate, build and deploy responsible AI which moves the needle - and we know a thing or two about doing it well. We bring an unparalleled depth of technical, product and delivery expertise to our clients who span government, finance, retail, energy, life sciences and defence. Our business, and reputation, is growing fast and we’re always on the lookout for individuals who share our intellectual curiosity and desire to build a positive legacy through technology. AI is an epoch-defining technology, join a company where you’ll be empowered to envision its most powerful applications, and to make them happen. ABOUT THE TEAM   Our Public Services Business Unit is committed to leveraging AI for the benefit of individual citizens and the public good. From our work informing strategic government decisions, to optimising our NHS, through to reducing bureaucratic backlogs - we know that AI offers opportunities to drive improvements at every level of Government and we are proud to lead on some of the most impactful work happening in the sector. Because of the nature of the work we do with our Government clients, you may need to be eligible for UK Security Clearance (SC) and willing to work on site with these clients from time to time. ABOUT THE ROLE As a Lead AI/ML Engineer at Faculty, you will set the technical direction for complex AI/ML projects, ensuring models perform at scale and in production over time by balancing technical trade-offs and guiding team priorities. You will lead the delivery of large-scale AI-powered platforms in high-risk environments while defining project roadmaps across multiple complex workstreams. This is an ambitious, entrepreneurial leadership role where you will act as a trusted technical expert, defending your architectural rationale to senior stakeholders to ensure we deliver high-quality, high-value outputs.     WHAT YOU'LL BE DOING: * Setting the technical direction for complex software projects to ensure architectural decisions support long-term product and client goals. * Driving the development of shared software libraries and microservices that accelerate delivery across multiple client engagements. * Overseeing the delivery of large-scale AI-powered platforms while defining project roadmaps in high-risk environments. * Facilitating alignment between ML, Data Science, and DevOps crafts to ensure agentic software is built on a reliable foundation. * Managing and coaching a distributed team of engineers, setting development goals that align with organisational growth. * Establishing enterprise-wide standards for code delivery, testing, and system documentation across the software engineering craft. * Leading hiring processes for the software engineering craft to continue building a world-class technical team.     WHO WE'RE LOOKING FOR: * You apply deep expertise across the application lifecycle to set high standards for system integration and end-user software quality. * You design large-scale, complex software ecosystems with the authority to justify critical architectural trade-offs in high-stakes environments. * You define the gold standard for production readiness, establishing application deployment protocols across diverse client engagements. * You translate high-level commercial strategy into technical roadmaps, ensuring AI work-streams are accurately estimated and seamlessly integrated. * You architecturally direct the development of products leveraging autonomous AI agents to ensure they are robust and effectively integrated. * You are a confident communicator, capable of conveying complex technical roadmaps and architectural risks to commercial partners and executive leadership. THE INTERVIEW PROCESS   1. Talent Team Screen (30 minutes) 2. Introduction to the Hiring Manager (30 minutes) 3. Pair Programming Interview (90 minutes) 4. System Design Interview (90 minutes) 5. Commercial & Leadership Interview (60 minutes)   #LI-PRIO OUR RECRUITMENT ETHOS We aim to grow the best team - not the most similar one. We know that diversity of individuals fosters diversity of thought, and that strengthens our principle of seeking truth. And we know from experience that diverse teams deliver better work, relevant to the world in which we live. We’re united by a deep intellectual curiosity and desire to use our abilities for measurable positive impact. We strongly encourage applications from people of all backgrounds, ethnicities, genders, religions and sexual orientations. Some of our standout benefits: * Unlimited Annual Leave Policy * Private healthcare and dental * Enhanced parental leave * Family-Friendly Flexibility & Flexible working * Sanctus Coaching * Hybrid Working If you don’t feel you meet all the requirements, but are excited by the role and know you bring some key strengths, please don't hesitate in applying as you might be right for this role, or other roles. We are open to conversations about part-time hours.