Lead Lending Operations Analyst

Lead Lending Operations Analyst

📍 London, UK | 4 days in-office

About Elect Capital

Elect Capital is a fast-growing SME lender providing working capital loans, business loans, and merchant cash advances to small and medium-sized businesses across the UK, Australia, Canada, and the US. We exist to make fast, fair funding accessible to the businesses that keep local economies moving.

Our Mission

• To become the most trusted lending partner for SMEs globally — combining speed, transparency, and genuine relationship-driven support at every stage of the loan journey.
• Our Values: C.O.R.E

• Challenge — We question the status quo and push for better outcomes.
• Opportunity — We spot potential where others see risk.
• Resilience — We stay steady and solutions-focused under pressure.
• Edge — We bring sharp thinking and a competitive instinct to everything we do.

The Role

We're looking for a Lending Operations Team Lead 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

• Competitive base salary plus performance bonus
• Private health insurance
• 25 days annual leave plus bank holidays
• Genuine career progression as we scale from 40 to 200+ people
• A collaborative, fast-moving team where your input shapes how we operate
• Modern London office with flexible hybrid working

Think you're a fit? Let's talk.