Capital on Tap
Senior Database Engineer

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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, the AI team work from our Moorgate (London) Offices 2 days per week.
The Role Our platform runs on.NET and SQL Server on Azure, and it has grown well beyond what it was originally designed for. We're hiring our first dedicated Database Performance Engineer to own performance and scale: to make the fast paths fast, keep them fast as volume grows, and give every engineer here the tooling and judgement to write data access that holds up in production.
You'll join a small, agile team of DBAs and site reliability engineers in a hands-on, senior individual contributor role. You won't be working a ticket queue. You'll choose the work that moves the needle on latency, cost and reliability, and you'll be trusted to call out what needs re-architecting.
What You'll Do
- Own query and index performance across our transactional SQL Server estate, using execution plans, Query Store, wait statistics, real production telemetry or other data driven measures.
- Investigate and implement horizontal scaling techniques such as multi-cluster architecture, contained availability groups, sharding, etc, to ensure Capital on Tap’s distributed software estate can continue to support a fast growing customer base and increasing service count.
- Find and remove the bottlenecks on our latency critical paths, starting with card authorisation and ledger read/writes, and hold them to an agreed p99 budget.
- Own high availability and disaster recovery. Availability groups, failover, backup and restore testing against real RTO and RPO targets, and the runbooks that go with them.
- Build and enhance self serve tooling to enable development teams to identify query plan regressions along with self service diagnostic tools to allow teams to debug their own query performance.
- Automate what is currently manual, using PowerShell, Python, or Terraform, and treat database configuration as code.
- Manage SQL Server cost as a first-class metric alongside latency and uptime.
- Work alongside Product Engineering and our data analytics team, reviewing designs before they ship and levelling up how the whole engineering org thinks about data access.
- Evangelise advanced database technologies to the software engineering teams. Research, demo and promote technologies such as graph databases and zero-downtime data migrations, and how they can be used in EF via C#.
Reasons to use Rodeo
I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?
Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.
Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.
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Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
Graduate Consultant — 2026 Scheme
Why you're a good match
StrongYour economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.
See breakdownIt searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Why you're a good match
You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.
Experience fit
Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
What We're Looking For
- Experience working with ORMs (ideally Entity Framework) and the particular performance tradeoffs that come with an ORM.
- Substantial experience running Microsoft SQL Server in production at scale, whether that be self managed, Managed Instances, or on Azure SQL, in a business where downtime and latency have direct commercial impact.
- Real depth in the internals. The query optimiser and plan cache, indexing and statistics, locking, blocking and isolation levels, tempdb, and the wait types that tell you which of those is actually hurting you.
- A track record of specific, measurable performance wins you can walk us through end to end.
- Experience scaling relational data past the point where tuning alone works. Partitioning, archival, denormalisation, caching, read replicas, or a considered move to a different store.
- Comfortable writing application code, not just scripts. T-SQL to an expert level, plus PowerShell or Python, and infrastructure as code.
- Hands-on with HA/DR design and with leading production incidents.
- Working knowledge of other database engines such as PostgreSQL, and views on the relative pros/cons.
- An ability to translate technical concepts and tradeoffs to non-database specialists.


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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.)
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