Lead Lending Operations Analyst

Elect Capital; Greater London; On-site; GBP 45,000 - 55,000; Full time

Benefits offered by this job

Private health insurance (AXA)

Income protection

Life assurance

Statutory pension

25 days annual leave

Snacks, drinks and coffee machine

Job summary

Elect Capital, based in London, is seeking a Lead Lending Operations Analyst to own the post‑approval stage of our lending pipeline. You will lead a team of analysts responsible for preparing approved loans for completion, including documentation, compliance checks, and final disbursement readiness.

This hands‑on leadership role focuses on process precision, team development, and moving deals quickly without sacrificing accuracy.

Qualifications

• Experience in a lending operations or post‑approval role within SME/commercial lending.
• Prior people management or team lead experience in fintech or fast‑paced lending.
• Strong knowledge of loan documentation, conditions precedent, and disbursement processes.
• Excellent attention to detail with urgency around turnaround times.

Responsibilities

• Lead and develop a team of Lending Operations Analysts and manage day‑to‑day workload.
• Own the post‑underwriting workflow: documentation prep, condition clearing, sign‑off, disbursement readiness.
• Monitor turnaround times and pipeline throughput; identify bottlenecks between underwriting and funding.
• Escalate complex or delayed cases; liaise with Underwriting, Credit and Compliance.
• Build and refine SOPs to improve accuracy, consistency, and speed.
• Report on team performance, pipeline health, and completion metrics to senior leadership.
• Support hiring, onboarding, and training as the team scales.

Skills

Lending operations

People management

Documentation knowledge

Attention to detail

Cross-functional collaboration

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!