At a Glance
- Tasks: Lead underwriting on deals, assess risk, and support fast decision-making.
- Company: Elect Capital, a dynamic company disrupting traditional finance.
- Benefits: Competitive salary, growth opportunities, and immediate impact.
- Other info: Fast-paced environment with a focus on teamwork and innovation.
- Why this job: Join a mission-driven team that values clarity and speed.
- Qualifications: Experience in underwriting and strong organisational skills.
The predicted salary is between 36000 - 60000 £ per year.
Elect Capital backs ambitious UK businesses with capital that cuts through the noise. Built for speed, edge and action, we deliver funding where others stall. We’re not here to reinvent lending – we’re here to do it better. We move at the pace of our clients and connect them to capital that works. Elect offers 1–6 month fixed‑term business finance with daily or weekly repayments and fast, transparent decisions. 90% of completed applications receive an offer within 4 hours – with clear pricing, no unnecessary hurdles, and a team that knows how to get deals done. Whether a client applies directly or via a broker, we aim to make the funding journey sharp, clean and simple.
OUR MISSION
We are on a mission to back ambition. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.
OUR VALUES
- C.O.R.E
- Challenge – Ask the hard questions. Improve what you touch.
- Opportunity – Spot it. Shape it. Run with it.
- Resilience – Stay steady. Adapt fast. Keep momentum.
- Edge – Think sharp. Move sharp. Stand out.
We hire people who act fast, think commercially, and bring clarity to everything they do.
THE PERFECT FIT
We’re not a coasting kind of company. Elect is fast, challenging and focused – and we love it that way. Things move quickly here, and the bar is high. If you thrive in that kind of environment, you’ll do well.
To thrive at Elect, you’ll need:
- A sharp mind and a strong work ethic
- The ability to stay calm, focused and accurate under pressure
- A natural instinct to spot issues, fix them fast, and always look for a better way
- Resilient and a team‑first mentality – we challenge each other daily, but we back each other even harder
- A bias for clarity, action and ownership
- A desire to go beyond the job description and raise the bar
THE ROLE
We’re looking for a sharp, decisive & experienced Senior Underwriter to take ownership of credit decisions across our deal flow. You’ll assess risk, structure approvals, and work closely with sales, ops, and credit to move good deals fast — and stop bad ones faster. This is a high‑impact role where commercial instinct, precision, and pace are essential.
KEY RESPONSIBILITIES
- Lead underwriting on deals from £25k–£750k
- Analyse financials, bank data, and open banking feeds to assess creditworthiness
- Apply credit risk policies while spotting smart exceptions
- Structure offers that balance speed, risk, and commercial value
- Work closely with the sales team to support fast decisions and clean execution
- Escalate and advise on edge cases and complex scenarios
- Maintain underwriting documentation and CRM accuracy
- Coach junior underwriters and support continuous credit policy refinement
WHAT WE’RE LOOKING FOR
- Highly organised — nothing gets missed, nothing gets dropped
- Thrives in fast‑paced environments with multiple moving parts
- Clear, professional communicator with a commercial edge
- Self‑starter who stays aligned with team goals
BONUS
Experience in unsecured, short‑term SME underwriting.
OUR OFFER
- A fast, focused environment where your impact is immediate
- Ownership over your work and a voice in how we improve
- Opportunities to grow with a company that’s scaling quickly
- A team that values clarity, pace, and practical thinking
- Competitive salary and path for progression
- A chance to contribute to a mission driven company
Think you’re a fit? Let’s talk.
Senior Underwriter in England employer: Elect Capital
Elect Capital is an exceptional employer for those seeking a dynamic and fast-paced work environment. With a strong focus on employee growth, we offer immediate impact in your role, ownership of your work, and a clear path for progression within a mission-driven company. Our culture values clarity, resilience, and teamwork, making it an ideal place for ambitious individuals ready to challenge the status quo in finance.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Underwriter in England
✨Tip Number 1
Network like a pro! Get out there and connect with people in the finance industry. Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly to hiring managers.
✨Tip Number 2
Prepare for interviews by researching the company and its values. Elect Capital is all about speed, clarity, and ambition, so think about how your experience aligns with that. Be ready to share examples of how you've thrived in fast-paced environments and tackled challenges head-on.
✨Tip Number 3
Showcase your skills through practical examples. When you get the chance to chat with potential employers, highlight specific situations where you’ve made quick decisions or improved processes. This will demonstrate your ability to fit right into their dynamic team.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in being part of the Elect Capital mission. So, hit that apply button and let’s get the conversation started!
We think you need these skills to ace Senior Underwriter in England
Some tips for your application 🫡
Show Your Sharp Mind:When you're writing your application, make sure to highlight your analytical skills and decision-making abilities. We want to see how you think commercially and how you tackle challenges head-on.
Keep It Clear and Concise:We love clarity! Make sure your application is straightforward and to the point. Avoid jargon and fluff – just tell us what makes you the perfect fit for the Senior Underwriter role.
Demonstrate Your Resilience:Share examples of how you've stayed calm and focused under pressure. We’re looking for candidates who can adapt quickly and keep the momentum going, so let us know how you’ve done this in the past.
Apply Through Our Website:Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. We can’t wait to hear from you!
How to prepare for a job interview at Elect Capital
✨Know Your Numbers
As a Senior Underwriter, you'll need to demonstrate your ability to analyse financials and assess creditworthiness. Brush up on key financial metrics and be ready to discuss how you would evaluate a business's financial health. This shows you’re not just familiar with the numbers but can also apply them in real scenarios.
✨Showcase Your Commercial Instinct
Elect Capital values a sharp mind and commercial edge. Prepare examples from your past experience where you've made quick, effective decisions under pressure. Highlight how your instincts have led to successful outcomes, especially in fast-paced environments.
✨Emphasise Teamwork and Resilience
The role requires a team-first mentality and resilience. Be ready to share stories about how you've collaborated with others to overcome challenges. Discuss how you support your colleagues while also pushing for high standards, as this aligns with Elect's values.
✨Ask Insightful Questions
Prepare thoughtful questions that reflect your understanding of Elect's mission and values. Inquire about their approach to underwriting and how they balance speed with risk. This not only shows your interest but also your ability to challenge the status quo, which is crucial for the role.
