Collections Team Leader

We're Capital on Tap

Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?

We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

Check out the development opportunities in the Collections team.

This is a Hybrid role, the Collections team work from our Manchester Offices 3 days per week.

Senior Collections Team Leader

We're looking for a Senior Team Leader to play a key leadership role in our Collections department as we establish our Manchester office. You'll shape team culture, drive performance, and foster a risk-aware, customer-focused environment. As the most senior Collections leader on-site, you'll deputize for the Head of Collections and Senior Operations Manager while also leading special projects to improve customer experience and business outcomes.

• Lead and mentor a team of Team Leaders, Senior Agents, and front-line staff.
• Act as the escalation point for complex cases and risk resolution.
• Ensure a customer-first culture, driving fair outcomes and compliance.
• Utilize data insights to enhance performance, identify risks, and implement improvements.
• Drive team development through coaching, 1-2-1s, and performance management.
• Oversee specialized processes such as debt sale, risk resolution, and business change initiatives.
• Manage a multi-channel, shift-based team serving both US and UK customers.
• Build strong relationships with internal and external stakeholders.
  
  

We're Looking For

• 3+ years of leadership experience in Collections within a multi-channel environment (e.g., outbound dialer, inbound calls, SMS, WhatsApp, web chat, email).
• Experience managing UK and US collections, ideally in credit card or SME lending.
• Strong analytical, communication, and negotiation skills.
• In-depth knowledge of regulations (GDPR, FCA, insolvency, Equalities Act).
• Proven ability to develop, engage, and motivate teams in remote, hybrid, and onsite settings.
• Comfortable managing high volumes, complex cases, and performance challenges.
• Experience supporting vulnerable customers and navigating risk-sensitive situations.
  
  

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 optician 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

Free drinks and snacks in our offices

Check out more of our benefits, values, and mission here.

Interview Process:

First stage: 30 minute intro and values call with Talent Partner (Video call)

Second stage: 45 minute CV overview with Team Manager (In Person)

Final stage: 60 minute overall assessment with Head of Department (In person)

Other Info

Check out our 'Top Tips' for interviewing.

Keep updated on new job opportunities by following us on Linkedin.

Email [email protected] 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.)