
Carwow · Porto
CREDIT CONTROLLER OUR MISSION To become the car-changing destination of choice. By combining technology, media and deep automotive expertise, we've turned...
To become the car-changing destination of choice. By combining technology, media and deep automotive expertise, we've turned how
people buy, sell, advertise and lease cars on its head.
What started as a simple reviews site is now one of the largest online car-changing destinations in Europe. Last year alone we
grew over 50% with nearly £3bn worth of cars bought on site, while £1.8bn of cars were listed for sale through our Sell My Car
service.
In 2024 we went big and acquired Autovia - creators of AutoExpress and Evo magazines - doubling our audience overnight. Together
we now have one of the biggest YouTube channels in the world with almost 10m subscribers and over 1.1 billion annual views, while
we sell 1.2 million print copies of our magazines and have an annual web content reach over 350million.
And we’re a long way from done!
The finance team at Carwow goes far beyond traditional reporting; we are the operational engine that drives commercial scalability
across the business. The credit control function you will lead is a talented, multi-regional group managing everything from
intricate billing structures to automated dunning cycles. To take this team to the next level, we are not looking for a
traditional debt-collection supervisor. We are searching for an operational powerhouse. We value high-level operational
management, workflow optimisation, and process-design experience far more than a strict, traditional credit control background.
Your success in this role will depend on your ability to untangle complex workflows, drive automation and AI initiatives, master
systems like NetSuite and Salesforce, and seamlessly connect our financial operations with the wider commercial business. You will
be taking the helm of a team that is eager for structural guidance and clear career progression, making this the perfect
opportunity for a leader who excels at building scalable systems and developing people just as much as they excel at protecting
the ledger.
needed.
problems.
evolve.
keep cross-territory ways of working consistent.
told what to improve.
you'll need to be genuinely energised by that, not just tolerant of it.
process.
this role is unlikely to be the right fit.
learn them).
We are looking for a detail-oriented Credit Controller to join our Finance team on a fully remote, 2-month fixed-term contract.
Diversity and inclusion is an integral part of our culture. We know that diverse teams are strong teams, so we welcome those with
alternative identities, backgrounds, and experiences to apply for this position. We make recruiting decisions based on experience,
skills and potential, so all our applicants are treated fairly and equally.
CREDIT CONTROLLER OUR MISSION To become the car-changing destination of choice. By combining technology, media and deep automotive expertise, we've turned how people buy, sell, advertise and lease cars on its head. What started as a simple reviews site is now one of the largest online car-changing destinations in Europe. Last year alone we grew over 50% with nearly £3bn worth of cars bought on site, while £1.8bn of cars were listed for sale through our Sell My Car service. In 2024 we went big and acquired Autovia - creators of AutoExpress and Evo magazines - doubling our audience overnight. Together we now have one of the biggest YouTube channels in the world with almost 10m subscribers and over 1.1 billion annual views, while we sell 1.2 million print copies of our magazines and have an annual web content reach over 350million. And we’re a long way from done! FINANCE @ CARWOW The finance team at Carwow goes far beyond traditional reporting; we are the operational engine that drives commercial scalability across the business. The credit control function you will lead is a talented, multi-regional group managing everything from intricate billing structures to automated dunning cycles. To take this team to the next level, we are not looking for a traditional debt-collection supervisor. We are searching for an operational powerhouse. We value high-level operational management, workflow optimisation, and process-design experience far more than a strict, traditional credit control background. Your success in this role will depend on your ability to untangle complex workflows, drive automation and AI initiatives, master systems like NetSuite and Salesforce, and seamlessly connect our financial operations with the wider commercial business. You will be taking the helm of a team that is eager for structural guidance and clear career progression, making this the perfect opportunity for a leader who excels at building scalable systems and developing people just as much as they excel at protecting the ledger. YOUR MISSION This is an individual-contributor Credit Controller role. You'll take direct, hands-on ownership of a live ledger within one of our core business units, working credit control the way it actually happens inside a fast-moving scale-up: fast cash allocation, sharp dunning cycles, and a bias for fixing the process, not just chasing the invoice. You'll sit within a talented, multi-regional Credit Control team spanning the UK and Portugal, working closely with your Credit Control Lead and peers across our multiple business units. This is a genuinely fast-paced environment: priorities shift, ledgers grow, and the tools we use are evolving constantly as we push automation and AI deeper into the function. If you're looking for a slower, process-heavy corporate credit control role with fixed procedures and limited variety, this isn't it. If you want real ownership of a ledger from day one, plenty of variety, and the chance to shape how a growing team works, we want to hear from you. KEY RESPONSIBILITIES * Own the end-to-end credit control cycle for your assigned ledger, from dunning through to cash allocation and query resolution. * Proactively chase outstanding debt and manage the collections cadence to hit DSO and cash collection targets. * Investigate and resolve customer disputes and billing queries quickly, working directly with commercial stakeholders where needed. * Keep NetSuite and Salesforce records accurate and up to date, and flag data or process issues before they become bigger problems. * Support the rollout of automation and AI tools within credit control, adopting new ways of working as the team's processes evolve. * Work closely with your Credit Control Lead and wider Portugal-based team to share knowledge, cover ledgers during absence, and keep cross-territory ways of working consistent. * Contribute to a fast-changing environment by flagging inefficiencies and suggesting practical fixes, rather than waiting to be told what to improve. KEY REQUIREMENTS * Some experience in credit control, accounts receivable, or a similar collections-focused finance role. * Comfortable working in a fast-paced, constantly changing environment — priorities and processes here shift as we scale, and you'll need to be genuinely energised by that, not just tolerant of it. * A proactive, ownership-driven mindset: you chase things down rather than waiting for them to be chased for you. * Confident communicator, comfortable investigating and resolving disputes directly with customers and internal stakeholders. * Strong attention to detail and comfortable managing a high volume of accounts and cases at once. * Genuinely excited by process improvement and automation — this is not a role for someone who wants to run a fixed, unchanging process. * Start-up or scale-up experience is a strong plus; if your background is entirely in large, slow-moving corporate environments, this role is unlikely to be the right fit. BONUS POINTS * Previous experience working with UK based clients. * Practical, hands-on experience with systems such as NetSuite, Salesforce, Excel or Google Sheets (or a fast willingness to learn them). * Exposure to automation or AI tools used to streamline credit control or finance operations, even in a small or informal way. * Experience working within a business that operates across multiple countries or currencies. * Experience working alongside a small, remote or hybrid finance team and comfortable collaborating cross-border day to day. WHAT’S IN IT FOR YOU * Hybrid working * Competitive salary to fund that dream holiday to Bali * Share options - when we thrive, so do you! * Private Healthcare, for peace of mind * Meal allowance * Monthly coaching sessions with Spill - our mental wellbeing partner * Enhanced holiday package, plus Bank Holidays * 28 days annual leave * 1 day for your wedding * 1 day off when you move house - because moving is hard enough without work! * For your third year anniversary, get 30 days of annual leave per year * For your tenth year anniversary, get 35 days of annual leave per year * Option to buy 3 extra days of holiday per year * Work from abroad for a month * Inclusive parental, partner and shared parental leave, fertility treatment and pregnancy loss policies * The latest tech (Macbook or Surface) to power your gif-sending talents * Up to £500/€550 home office allowance for that massage chair you’ve been talking about * Generous learning and development budget to help you master your craft * Regular social events: tech lunches, coffee with the exec sessions, lunch 8 learns, book clubs, social events/anything else you pester us for * Refer a friend, get paid. Repeat for infinite money Diversity and inclusion is an integral part of our culture. We know that diverse teams are strong teams, so we welcome those with alternative identities, backgrounds, and experiences to apply for this position. We make recruiting decisions based on experience, skills and potential, so all our applicants are treated fairly and equally.
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, our engineering teams work from our Matosinhos office Office 2 days per week. Salary: €40,000-55,000 This is a multiple-headcount role, so please don't be put off if you've seen it advertised for a while. What You’ll Be Doing We’re looking for Full stack Engineers to help us build the best credit card and payment products for small businesses. If you’re looking for an environment where you’re given the freedom to make empowered decisions, research new technologies, and learn/share knowledge with your peers. Then keep on reading! * You’ll build robust and scalable solutions using .Net technology * From the first line of code to production, monitoring, and continuous improvement - you’ll own the SDLC * You’ll craft slick, responsive user interfaces with modern JavaScript frameworks (React), making sure our products don’t just work, they feel great to use * Teamwork makes the dream work - you’ll partner with Product Managers, QA’s, and fellow Software Engineers * You’ll build bulletproof unit and integration tests to keep our software sharp and our users happy * Bugs happen. When they do, you’ll be ready to troubleshoot and tweak as needed * You’ll bridge the gap between tech speak and business goals, ensuring everyone’s on the same page and moving forward together We’re Looking For 🔎 Required skills: * A minimum of 3+ years hands-on experience in C#, .Net Core, SQL Server, ideally JavaScript and React also! * Good testing practices, in both Unit and Integration testing * Good understanding of database technologies * Experience in using Agile development practices * A passion for learning new skills and technologies * A proactive, supportive, and collaborative team player Our Tech Stack * Backend: C#, .Net, .Net Core * Frontend: React, JavaScript * Mobile: Flutter, Dart * Databases: SQL Server, MongoDB * Cloud: Azure & GCP Interview Process 🤝 * First stage: 30-minute intro, CV review, and values with a Talent Partner * Second stage: 45-minute “Tech Chat” with a Team Manager * Final stage: 90-minute Code Pairing + 30-minute Values Interview 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 Check out our benefits: 🏥 Private Healthcare through AdvanceCare 🎁 Anniversary Rewards (€280, €570, €860, 4-week fully paid sabbatical) 🚘 Paid Car Parking 🏖️ 36 days holiday (inclusive of public holidays with public holidays carried over if they fall on a weekend) 📖 Annual Learning and Wellbeing Budget 💬 6 free therapy sessions per year 🍫 Free drinks and snacks in our offices 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.)
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! 📍 Porto Matosinhos | 🏢 2 Days in the Office | €65,000 - €75,000 QUALITY ENGINEERING AT CAPITAL ON TAP 🚀 Quality Engineering is embedded across our mission teams, partnering with Engineering, Product, and UX to champion quality at every stage of the software lifecycle. We build quality in from the start - not bolt it on at the end. The Lead Automation Engineer is a critical, hands-on role embedded within a Mission team. Reporting functionally to your mission team’s Lead, you will be the quality champion for your specific feature set. You will leverage standardised automation tooling to maximise test coverage, accelerate delivery velocity, and maintain the highest quality standards for our products. What You'll Be Doing 🗃️ Mission Team Quality Ownership & Strategy * Define and own the comprehensive testing strategy for your domain (e.g., payments, banking, onboarding), ensuring end-to-end quality and compliance in partnership with the QA Team Lead. * Act as the primary contributor for automation; design, develop, and maintain robust automated tests (API, UI, Mobile). * Champion a "Shift-Left" mindset, working with Product Owners and Developers from the refinement stage to ensure quality is engineered in from the start. * Directly manage the mission team’s automation targets and use data-driven insights (MTTD/MTTR, defect escape rates) to predict high-risk areas. Technical Leadership & Tooling Adoption 🧰 * Serve as the mission team's expert on central automation frameworks, driving consistent adoption of CI/CD processes and quality gates. * Identify team-specific gaps and collaborate with the central Tooling Team to develop custom helpers or data generators that enhance the core framework. * Ensure automated test suites are fully integrated into CI/CD pipelines to enable rapid, reliable deployment and a "fail fast" mechanism. * Coordinate complex technical testing, including microservices, security (OWASP ZAP), and performance testing. Collaboration, Coaching & AI Innovation 🤖 * Coach and upskill developers and junior QA engineers on automation best practices and test design patterns. * Champion the use of AI tools (Claude, GitHub Copilot) for complex tasks like architecture exploration, incident investigation, and test generation. * Leverage component testing, service virtualization, and contract testing to reduce dependencies and enable independent team testing. * Define test data strategies and environment requirements to support both automated and exploratory testing. Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 * Experience: 5+ years in QA Automation/SDET roles with proven success leading quality within an Agile team. * Programming: Strong proficiency in modern languages essential for automation, specifically C# or JavaScript/TypeScript. * Fintech Expertise: Experience testing complex financial systems (card issuing, transaction processing, or credit risk). * Automation Mastery: Hands-on experience with tools for UI (Playwright, Cypress) and API (REST Assured, Other API testing frameworks). * Cloud & CI/CD: Familiarity with Azure, Git, and integrating automated testing into deployment workflows. * Leadership: Ability to influence without authority, encouraging developers and POs to prioritise automation and quality. Even if you don’t have all of the necessary skills, we still encourage you to apply. Interview Process 🤝 * First stage: 30-minute intro, CV review, and values with Talent Partner * Second stage: 45-minute “Tech Chat” with Team Manager * Final stage: 60-minute Code Pairing + 30-minute Stakeholder Interview with Engineering & Product 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 Check out our benefits: 🏥 Private Healthcare through AdvanceCare 🎁 Anniversary Rewards (€280, €570, €860, 4-week fully paid sabbatical) 🚘 Paid Car Parking 🏖️ 36 days holiday (inclusive of public holidays with public holidays carried over if they fall on a weekend) 📖 Annual Learning and Wellbeing Budget 💬 6 free therapy sessions per year 🍫 Free drinks and snacks in our offices 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.)