
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.
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.
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).
pester us for
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.)
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 | €40,000 - €50,000 QA at Capital On Tap 🚀 Our QA team thrives on a culture of shared success, where every voice helps shape the quality of our products. Rather than working in isolation, we are fully integrated into diverse product squads, ensuring that everyone is a valued technical partner. The team is currently driving an "automation-first" testing strategy. It’s a collaborative, supportive environment where we prioritise learning from each other and ensuring that everyone has the opportunity to thrive and grow. What You'll Be Doing 🗃️ * Own manual and automated testing across the SDLC, working closely with Software Engineers and Product Managers to ensure product quality. * Contribute to and expand automated test coverage within an agile team. * Drive continuous improvement through POCs, refining QA processes, tools, and best practices. * Investigate user-reported issues, perform hands-on technical testing, and create, manage, and track bug reports. * Develop deep product and domain knowledge, supporting engineers and promoting shared responsibility for quality. * Effectively prioritise work, manage risks, and escalate issues in a fast-paced environment. 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 🔎 * QA experience across web/mobile applications, covering functional, regression, performance, exploratory, manual, and automated testing. * Understanding of end-to-end impact, risk, dependencies, and pragmatic bug prioritisation to inform QA strategy. * Hands-on experience with test automation tools and frameworks (e.g. Playwright, Selenium, Appium, Postman, RestSharp, xUnit/NUnit) and REST API testing. * Proficiency in C# (or similar OOP languages) and JavaScript/TypeScript, with solid SQL Server querying and scripting skills. * Experience working in CI/CD environments, implementing continuous testing practices across multiple teams. * Highly detail-oriented, methodical, and proactive, with a strong bias for problem-solving, exploratory testing, and taking initiative. 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 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. 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.)