Associate Product Manager

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, 3 days a week in the London office

Product is organised into focused areas, each owning a distinct part of the customer and business journey:

• Money movements and Banking products - our business banking proposition
• Credit Products & Collections - credit lines, limits, pricing and collections
• Customer Experience - the ongoing relationship customers have with us after activation
• Operational Excellence - the tools and processes that make our internal teams more effective
• Acquisition & Onboarding - how new and existing customers sign up and get activated
• Fraud & FinCrime - protecting customers and the business from fraud and financial crime
• Platform - the shared capabilities and infrastructure that other product areas build on

We will decide, together with you, which of these areas is the best fit at the end of the hiring process - so you don't need to know in advance which team you'll land in. What matters is that you bring strong generalist product management skills that can flex across any of these areas.

What You’ll Be Doing

We’re growing our Product team and are seeking an Associate Product Manager with a track record of hard work, customer obsession and delivering great outcomes.

• Delivering features and projects that drive customer and business impact
• Collaborating with senior stakeholders across the company to align on commercial and operational objectives
• Running a mission team of engineers with an eye on delivery and customer outcomes.
• Excelling at delivery. Getting the project over the line. Motivating those nearby to make hard things seem easy
• Help Capital on Tap achieve long term strategic dominance in SME industry

We’re looking for

This role is for someone who’s ready to shoulder individual responsibility for end to end development and delivery of features that align with business and customer needs. This person needs to be highly driven and self-motivated and will be rewarded by having a direct impact on customer outcomes and by collaborating with senior stakeholders across our business. We require someone with

• 1-2 years of experience in product management or project management
• Strong commercial intuition, entrepreneurial spirit and foundational gut instinct
• Strong organisational skills to thrive in chaos and remain calm among every day pressure of workload and delivery.
• Strong communication skills to keep people aligned and mission teams humming along
• Strong interpersonal skills to make hard work rewarding, sustainable and nourishing
• The ability to synthesise large amounts of information and distil a problem down to its essence

Our Hiring Bar

Alongside the role-specific experience above, every Product Manager candidate is assessed against a shared set of traits that we look for regardless of level or product area.

Ships fast to customers - Gets things live quickly rather than over-polishing before release. Comfortable with iterative, incremental delivery.

Deals with ambiguity, adapts when priorities or requirements shift - Doesn't need a fully-formed brief to start moving. Handles the plan changing mid-flight without getting stuck.

Commercial acumen - Understands the business, the strategy, and how their product area drives outcomes such as revenue, retention or cost, not just delivery for its own sake.

Hungry to learn, no ego - Wants to develop, asks questions, takes feedback well.

AI curious - Actively uses or explores AI tools in their day-to-day work, rather than treating it as someone else's job.

Strong exec-level communication - Confident presenting up, comfortable being challenged, backs decisions with evidence rather than opinion.

Self starter - Moves without waiting to be told or chased. Takes ownership of problems even outside a strict brief.

Depth - Can go beyond the surface on their own product area - understands the mechanics, edge cases and trade-offs, not just the headline feature.

The bar for evidence scales with seniority, but the traits themselves don't change. We use this alongside role-specific technical and experience criteria at every stage of the process.

Interview Process First stage: 30 minute intro and values call with Talent Partner (Video call)
Second stage: 45 minute CV overview with Senior/Lead PM in relevant area (Video Call)
Final stage: 60 minute interview with the wider Product team + 30 minute interview with the Head of Department (In person)

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
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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.)