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, working from our London (Moorgate) Offices 3 days per week. Finance at Capital on Tap Our Finance team sits at the heart of everything we do. The team is responsible for financial reporting, statutory compliance, payroll, and treasury across our UK and US entities, working closely with the rest of the business to ensure we have the financial foundations to keep growing. We're a lean, high-ownership team where you'll get real breadth across the finance function and plenty of opportunity to shape how things are done as we scale. What You'll Be Doing  As a Financial Accountant, you will play a critical role in the financial reporting process, ensuring that transactions are recorded accurately and all reporting requirements are met.  * Month-End Processes: Supporting the preparation of month-end accounting activities, including journal entries, accruals, and reconciliations across multiple group entities. * Ledger Oversight: Ensuring transactions are captured and reconciled correctly in line with IFRS and UK GAAP, directly supporting the Financial Reporting Manager and Finance Operations Manager in maintaining accurate financial records. * Payroll Support: Assisting with payroll processes, managing queries, and preparing monthly payroll reconciliations. * Balance Sheet Reconciliation: Preparing and substantiating monthly balance sheet reconciliations, identifying and resolving discrepancies promptly. * Bank Reconciliation: Designing systems for managing receivables, payables, expenses, invoices, and late payments, and developing comprehensive reports to support balance management and timely error detection. * Debt Sale Management: Supporting the development and management of debt sale processes to ensure alignment with business objectives, coordinating between UK and US subsidiaries and overseeing legal requirements. * Statutory Reporting: Supporting the preparation of annual statutory accounts for the group and its subsidiaries under IFRS or UK GAAP, ensuring compliance with all reporting requirements. * Audit Support: Working closely with external auditors during audits, addressing queries, and ensuring timely resolution of audit issues. * Process Improvement: Identifying opportunities to improve reporting processes and controls, with a focus on accuracy, efficiency, and compliance. * Team Collaboration: Working closely with other finance team members to ensure accurate financial reporting and supporting ad hoc financial tasks as required. We're Looking For * Part or fully ACA/ACCA/CIMA-qualified (or equivalent). * 3-4 year's experience in a similar role within FS/Banking/FinTech/Scaleup * Strong understanding of IFRS and/or UK GAAP. * Hands-on experience with financial reporting, reconciliations, and tax compliance. * Advanced proficiency in Excel. * Strong analytical and problem-solving skills with a high level of attention to detail. * Good organisational and time management skills, with the ability to manage multiple tasks and deadlines. * Able to work collaboratively and build effective relationships across teams. Nice to have: * Exposure to consolidated UK statutory reporting. * Experience with NetSuite or other integrated financial systems.  * Experience using AI tools to enhance processes and increase efficiency. * Familiarity with SQL reporting tools. 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 ❤️ Access to a reproductive and hormonal health platform via Hertility 🎁 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.)