Lead Lending Operations Analyst

Elect Capital; Greater London; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

25 days annual leave

Private health insurance

Income protection

Life assurance

Statutory pension

Snacks & beverages

Job summary

Elect Capital is transforming how SMEs access funding in the UK. We’re seeking a Lead Lending Operations Analyst to own the post-approval stage of our lending pipeline, leading a team of analysts responsible for documentation, condition clearing, and disbursement readiness.

You will improve processes, monitor turnaround times, and collaborate with Underwriting, Credit and Compliance to move deals quickly and accurately, while developing the team for scale.

Qualifications

• SME or commercial lending post-approval experience.
• People management or team lead experience in lending/fintech environment.
• Strong knowledge of loan documentation, conditions precedent, and disbursement processes.

Responsibilities

• Lead, coach, and develop a team of Lending Operations Analysts, setting performance standards and workload management.
• Own the post-underwriting workflow: loan documentation prep, condition clearing, compliance sign-off, disbursement readiness.
• Monitor turnaround times and pipeline throughput; identify and resolve bottlenecks between underwriting approval and funding.
• Escalate complex or delayed cases; liaise with Underwriting, Credit, and Compliance teams.
• Build and refine SOPs to improve accuracy, consistency, and speed across prepping function.
• Report on team performance and pipeline health to senior leadership.
• Support hiring, onboarding, and training as the team scales.

Job description

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.

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

• 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