Meet the Team: Niamh Devitt

Niamh Devitt Credit Strategy Manager At Capital On Tap

What were you doing before you joined Capital on Tap and how did you come about joining us?

I worked in a pricing strategy role in a retail bank previously and loved how commercial the role was and the impact you can have in a smaller business. I had a great few years there but was ready for my next challenge and found the FinTech industry really interesting.

Capital on Tap hit all the areas I was looking for: a fast-paced environment with the opportunity to have a big impact, and a growing company that values culture.

What exciting projects have you been a part of during your time here and how has the Risk function changed since you joined?

Since joining late last year I’ve had the chance to work on many different projects. Creating and implementing the credit limit and pricing strategy in the UK was an exciting project involving people from all across the business. This strategy has a big impact on our business and our customers so we’re continuously monitoring and finding ways to improve it. 

I had the opportunity to hire and take on people management responsibilities for the first time. I’ve really enjoyed the people development and upskilling side of my role and I’m looking forward to continuing this as we hire more people. The credit risk team has grown significantly since the start of the year, with both sides of strategy and underwriting expanding to support our ambitious growth plans.

What do you enjoy most about working at Capital on Tap?

The culture and the people. Even though we’ve grown so much since the start of the year, the culture and company values are embedded in everyone who works here. Everyone works hard, helps one another to make sure projects are a success, and are great fun at the same time. The office dogs also make my week!

What have you found the most challenging?

Working in a company that is growing rapidly can mean working on things that have never been done before, which can be uncomfortable at first and quite different to any role I’ve had previously. But I’ve adjusted to this, and now find it exciting to work on new projects so frequently.

What does a typical day look like for you at Capital on Tap?

I usually start the day by checking in with my team to see how they’re progressing with projects and whether I can offer any help or guidance.

Depending on what project I’m working on that day I might spend some time coding, pulling data, and analyzing. Or sometimes I might be writing some slides for training or working with other teams to draft some communications for a new pilot.

In the afternoons I might look at our key metrics to monitor the performance of our credit strategy or do some ad hoc analysis to support growth or finance teams. Each day is so different, which I love!

What are you excited about for 2022 at CoT?

I’m looking forward to seeing where Capital on Tap goes next. Within credit, we’re introducing a number of new credit strategies with the goal of better serving the wide range of customers we have. We’ve also had a huge amount of growth in the US since last year, which is really exciting and has required us to adapt and expand our strategy to meet.

What else have you got involved with at Capital on Tap?

There are always social opportunities in the office, with quiz nights, new joiner events, and games nights! I particularly enjoy our ‘Lunch and Learns’ where everyone in the business takes time out to listen to a colleague speak on a topic - we’ve covered everything from credit strategy to Welsh history. It means you get to chat with everyone in the business, so you quickly build relationships outside your own team.

Tell us more about yourself - what do you like doing in your spare time?

I like to stay active and try out new stuff including some cool places near our offices! You can expect to hear me talking a lot about a handstand class or going for a swim whenever I can. On the weekends I’m hanging out with friends, going to the theater, a gig, or just chilling and cooking a meal!

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