Payment Operations Specialist (Part-Time/Flexible Hours)

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 an in-office role, the Junior Business Development team works from our central Brighton offices 5 days per week.   What You’ll Be Doing The Capital on Tap Sales Academy is a six-month training program that equips you to sell our award-winning business credit card to UK businesses. It's ideal for those starting a sales career, combining learning and growth. You'll learn about our product, customers, and sales techniques, while gaining insights into the payments industry and business finance. You'll shadow top performers, interact with various teams, and work towards targets. Finally, you will focus on applying your knowledge, managing your portfolio, and refining your pitch, with the opportunity to advance to Business Development Manager. * Sourcing leads to build and manage your pipeline * Making 30-50 outbound cold calls per day * Managing customer accounts and driving card spend * Working towards and hitting targets! We’re Looking For 🔎 * A record of success in any sort of customer service, sports or extracurricular activities * Excellent communication skills * An energetic and personable character with the ability to build rapport over the phone * Positive attitude and willingness to learn and develop * Self-motivated and goal-oriented with a drive to be successful * No prior telesales or cold calling experience is required - we'll teach you everything you need to know! 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, 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 ❤️ Access to a women's health platform via Hertility 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 👪 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: 15 minute intro and values call with Talent Partner or the Academy Manager 🤝Second stage: In person assessment day 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.)

OUR VISION At Cardmarket, people come first. Our goal is to create a workplace where everyone feels safe, appreciated, and inspired. A place where you enjoy coming to work and feel good about heading home at the end of the day. Open communication is at the heart of our culture. Only by talking openly about challenges, big or small, can we find solutions together. Cardmarket connects people across continents, regardless of skin colour, origin, religion, nationality, gender, or sexual orientation. We treat everyone equally and expect the same from all applicants. Our strength lies in our diverse perspectives and the shared commitment to move forward together as an inclusive team. To strengthen our Admin Department, we're currently looking for a dedicated full time Payment Operations Specialist for Cardmarket. In this role, you will take ownership of the operational management of payment processes across our marketplace. Your daily responsibilities will include monitoring payment transactions, handling user payouts, reconciling payment data, and investigating any discrepancies. You will also support KYC and compliance processes and act as a key contact for payment providers and internal stakeholders. Your work will be essential in ensuring that payments are processed accurately, issues are resolved efficiently, and marketplace funds are distributed correctly. YOUR RESPONSIBILITIES * Transaction Reconciliation: Managing the daily reconciliation of payment transactions and bank transfers, ensuring internal records accurately match Payment Service Provider (PSP) and banking data * Funds Flow Management: Overseeing incoming and outgoing payment flows across multiple currencies, ensuring the accurate and timely processing of customer deposits, withdrawals and refunds, while maintaining the integrity of user wallet balances * Onboarding & Compliance Support: Conducting final seller onboarding reviews, ensuring that account applications meet marketplace requirements and escalating cases that require additional verification * Dispute & Chargeback Management: Managing payment disputes and chargebacks, coordinate investigations with internal teams and payment providers, and support fraud prevention efforts to mitigate financial risk * PSP & Vendor Relations: Serving as the operational point of contact for marketplace-focused payment providers (e.g. PayPal, Braintree), coordinating issue resolution, operational requests, and compliance-related inquiries * Payment Operations Support: Collaborating closely with Customer Support to investigate payment-related issues, assist with customer complaints, provide operational expertise, and ensure accurate and timely resolution of complex payment cases YOUR PROFILE * Marketplace or Platform Experience: Proven experience in financial operations, digital payments, or treasury, ideally within an online marketplace, SaaS platform, or multi-merchant e-commerce environment * Payment Infrastructure Knowledge: Direct experience with multi-party payment architectures * Problem-Solving & Detail Orientation: Exceptional analytical skills to dissect complex transaction failures or reconciliation gaps across multiple parties * Collaborative Communication: Strong verbal and written communication skills to effectively bridge technical payment logic with both internal engineering teams and external business partners * Languages: Excellent written and spoken English is required, additional languages are always welcome * Presence in Berlin & valid work permit is necessary! WHY US? Imagine a workplace where passion, trust, and personal responsibility are part of everyday working life. A place where people enjoy coming together, sharing ideas, laughing together, while at the same time working with a high level of professionalism.That’s exactly what you’ll find at Cardmarket. * Your everyday work You will work in a full-time position (39 hours per week) at our office in Berlin, a place where creative energy, exchange, and focus come together. At the same time, we offer a hybrid working model and provide you with all the equipment you need for your work. Thanks to flexible working hours with clearly defined core hours, you can structure your day in a way that allows work and private life to harmonize well.   * Community & Culture We meet each other as equals. An informal, first-name culture is a given, from interns to management. We believe that great results are achieved where people feel seen, heard, and valued. Our shared passion for trading card games connects us, at work and beyond. It symbolizes what defines us: curiosity, strategy, teamwork, and the drive to continuously challenge ourselves.   * Vacation & further benefits Five weeks of paid vacation as well as a Germany-wide public transport ticket (Deutschlandticket) that supports you flexibly in your everyday life. A lunch allowance (up to €7.67 per working day) as well as free drinks and snacks are also part of our benefits.   * Your development matters Standing still is not an option for us, at least not in a positive sense. With a personal annual learning budget of €1,500, we deliberately invest in your development: conferences, courses, books, or new skills. You decide what helps you move forward.   * Mental & physical health We know: Great performance can only happen when people are doing well. That’s why we support you with an Urban Sports Club membership for your physical balance, our collaboration with DearEmployee, which offers anonymous, professional psychological support, and the Women of Cardmarket & LGBTQIA+ Group, which promotes exchange, visibility, and empowerment.   In short With us, you won’t find anonymous open-plan offices or rigid structures, but a work environment with heart, values, and genuine appreciation, a place where you’re not only allowed to be yourself, but expected to be, take responsibility, and continue developing, professionally and especially personally.