Lead Lending Operations Analyst

Lead Lending Operations Analyst
📍 London

About Elect Capital
Elect Capital is changing how SMEs access funding. We provide fast, flexible working capital loans, business loans, and merchant cash advances — no red tape, no slow decisions. Live across the UK, Australia, Canada, and the US, and scaling fast, we give SMEs the speed and flexibility traditional lenders can't.

🎯 Our Mission
We exist to give SMEs the capital and confidence to grow — fast, fair, and friction-free. Every ambitious business deserves a real shot at growth, not months of paperwork. We've built lending for speed, without cutting corners on fairness. When SMEs win, we win.

The Role
We're looking for a Lead Lending Operations Analyst to own the post-approval stage of our lending pipeline — the critical bridge between underwriting decisions and funds reaching our customers. You'll lead a team of Lending Operations Analysts ("preppers") responsible for preparing approved loans for completion: documentation, compliance checks, and final disbursement readiness. This is a hands-on leadership role for someone who thrives on process precision, team development, and keeping deals moving without compromising on accuracy.

Key Responsibilities

• Lead, coach, and develop a team of Lending Operations Analysts, setting clear performance standards and supporting day-to-day workload management
• Own the post-underwriting workflow: loan documentation preparation, condition clearing, compliance sign-off, and disbursement readiness
• Monitor turnaround times and pipeline throughput, identifying and resolving bottlenecks between underwriting approval and funding
• Act as the key point of escalation for complex or delayed cases, liaising closely with Underwriting, Credit, and Compliance teams
• Build and refine SOPs to improve accuracy, consistency, and speed across the prepping function
• Report on team performance, pipeline health, and completion metrics to senior leadership
• Support hiring, onboarding, and training as the team scales

🔍 What We're Looking For

• Proven experience in a lending operations, loan servicing, or post-approval/completions role within SME or commercial lending
• Prior people management or team lead experience, ideally within a fast-paced lending or fintech environment
• Strong working knowledge of loan documentation, conditions precedent, and disbursement processes
• Excellent attention to detail balanced with a sense of urgency around turnaround times
• Comfortable working cross-functionally with Underwriting, Credit, and Compliance

Bonus

• Experience with unsecured business lending or merchant cash advance products

Our Offer

• Salary range: £45,000 - £55,000
• 25 days annual leave (plus bank holidays)
• Private health insurance with AXA
• Income protection
• Life assurance
• Statutory pension
• Fully stocked snacks, drinks, and coffee machine
• Monday lunch on us!

👋 Think you're a fit? Let's talk.