Quick Overview
Job Description
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.