Team Lead Software Engineer

Team Lead Software Engineer

Location: Porto (Matosinhos), Portugal

Work Arrangement: Hybrid (2 days per week in the Porto office)

Employment Type: Full-time

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 Porto (Matosinhos) Offices 2 days per week.

What You’ll Be Doing 

We're looking for an Engineering Team Lead to lead one of our product engineering teams here at Capital on Tap.

This is a people-first leadership role. You'll be responsible for the growth, wellbeing, and performance of a team of engineers, while staying technically credible enough to shape direction, remove blockers, and raise the bar on quality. You won't be the best coder in the room; you'll be the person who makes the whole room better.

If you're an experienced Team Lead Engineer looking to own a team in a scaling fintech, this role is built for you.

What You'll Own

Your team. Hiring, developing, and retaining engineers. Running 1:1s that actually matter. Spotting who's ready to grow and creating the space for them to do it.

Delivery. Partnering with Product and QA to plan and ship reliably not by micromanaging, but by removing obstacles, managing risk, and keeping the team focused on what matters.

Culture. Setting the tone for how the team communicates, gives feedback, and holds itself accountable. Building psychological safety without sacrificing standards.

Technical credibility. You won't be heads-down in the codebase every day, but you'll understand the trade-offs your team is navigating architecture decisions, technical debt, build vs buy and contribute meaningfully to those conversations.

What We're Looking For

Leadership first. You've managed engineers before and have a point of view on what good looks like. You know how to have hard conversations, give developmental feedback, and motivate people.

Technical foundation in .NET. Our backend is C#/.NET Core and you'll need enough depth to earn trust with your engineers, review decisions, and spot risks. You don't need to be across every layer of the stack you need to be honest about what you know and curious about what you don't.

Product mindset. You think about engineering in the context of business outcomes, not just technical correctness. You can push back on scope, advocate for quality, and translate between engineering and non-technical stakeholders.

Comfort with ambiguity. Capital on Tap is growing. Priorities shift. We want someone who creates clarity for their team rather than waiting for it.

Nice to Have

• Experience with Azure cloud development
• Familiarity with React or other frontend frameworks
• Background in financial services or fintech

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.
Interview Process 

• First stage: 30 minute intro call with Talent Partner
• Second stage: 45 minute "Tech Chat" & Values Interview with an Engineering Manager & People Partner
• Third stage: 60 minute Code Pairing with our Engineering Team
• Final stage: 60 minute Case Study with Product & Engineering + 60 minute Good to Great Interview with our CTO

Great Work Deserves Great Perks

Check out our benefits:

• Private Healthcare through AdvanceCare
•  Anniversary Rewards (€280, €570, €860, 4-week fully paid sabbatical)
•  Paid Car Parking
• 36 days holiday (inclusive of public holidays with public holidays carried over if they fall on a weekend)
• Annual Learning and Wellbeing Budget
• 6 free therapy sessions per year
• Free drinks and snacks in our offices

Other Info
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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.)