About this role.
Capital on Tap is hiring a Business Development Manager to sell its SME business credit card and manage the full sales cycle, from self-generated outbound prospecting through account growth. The role is telephone-based and requires 30–50 cold calls daily, pipeline ownership, target attainment, and customer account management. Candidates need at least two years of telesales experience, ideally in B2B or financial/card sales, with experience managing a 360-degree sales cycle. This is a remote UK role with quarterly Brighton/London office attendance and an onsite onboarding week. Performance is measured heavily through card-spend targets, sales activity, and FCA-compliant selling practices.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
4/5Pace & Pressure
5/5Autonomy Level
4/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader UK market for similar roles.
Core skills
Skills and capabilities most closely associated with this opportunity.
Sample interview questions
I segment the pipeline by priority, reserve focused blocks for calls, and use clear call objectives for each prospect. I log outcomes immediately, schedule specific follow-ups, and review conversion metrics regularly so I can refine messaging and focus effort on the highest-potential accounts.
I begin with targeted prospecting and qualification, uncover the customer’s operational and financial needs, and position the most relevant value proposition. After conversion, I maintain regular contact, monitor product adoption, identify opportunities to increase usage, and address issues quickly to support long-term account value.
I would acknowledge their existing setup and ask focused questions about its limitations, such as spend controls, rewards, reporting, access to credit, or support. I would then tailor the discussion to the specific advantages that address those gaps rather than delivering a generic product pitch.
I treat each call as a new opportunity, focus on controllable activity metrics, and use call outcomes as learning data rather than personal setbacks. Preparing thoroughly, celebrating incremental progress, and reviewing objections with managers or peers helps me maintain energy and improve consistently.
I ensure that my product explanations are accurate, transparent, and appropriate to the customer’s circumstances. I never use pressure or omit important information to accelerate a sale, and I document conversations carefully while escalating any uncertainty to the appropriate compliance or management team.
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!
📈Check out the development opportunities in the Sales Team.
🏡This is a remote role with the expectation to be in our Brighton/London office once a quarter.
It’s worth saying that we’d also expect you to be onsite for your very first onboarding week with us, but that we’re happy to support and organise travel and accommodation to facilitate this.
What You’ll Be Doing
You’ll be managing your own portfolio of Customer accounts. You will be responsible for the entire sales cycle from outbound prospecting through to ramping up card spend and account management. This is a telephone-based role (no face-to-face or field sales involved) and you’ll primarily be contacting SME owner-directors selling our award-winning business credit card.
- Self-generating leads
- Building and managing a customer pipeline
- Making 30-50 outbound cold calls per day
- Working towards and hitting targets of card spend
- Managing customer accounts and spend
- Working to high standards of FCA regulations
We’re Looking For
- 2+ years of telesales experience, Ideally B2B sales
- Experience in a 360 sales cycle
- Experience in a high-volume cold calling role
- Experience in financial sales, Ideally Card sales
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.
💰 What Can You Earn Here?
Base: £30,000-£40,000 | Uncapped commission structure
Your earning potential here is real — and we can prove it. Most BDMs earn around £50k OTE in their first year. Top performing newbies have cleared £70k OTE in year one, and our top performers overall are consistently at £100k+ OTE. No cap. No ceiling. Just you and your effort. Oh, and the record for commission in a single quarter is £52k. Go beat it.
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:
💰Uncapped commission structure (OTE 60k-70k)
🏥 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)
📖 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 Useful Info
Interview Process:
🤝First stage: 30-minute intro and values call with Talent Partner (Telephone call)
🤝Final stage: 60-minute Google meet interview with 2 Sales Managers, presenting a case study task
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.)
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