At a Glance
- Tasks: Lead a team to ensure smooth loan processing and compliance checks.
- Company: Elect Capital, a fast-growing SME lender with a mission to support local economies.
- Benefits: Competitive salary, performance bonuses, private health insurance, and 25 days annual leave.
- Other info: Opportunity for genuine career progression as we scale from 40 to 200+ people.
- Why this job: Join a dynamic team and make a real impact in the lending industry.
- Qualifications: Experience in lending operations and team leadership in a fast-paced environment.
The predicted salary is between 49500 - 60500 £ per year.
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
- 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.
Lead Lending Operations Analyst employer: Elect Capital
Elect Capital is an exceptional employer that empowers its employees to shape the future of a fast-scaling international fintech. With a high-performance culture that values ownership and commercial thinking, team members enjoy direct influence over leadership development and organisational design, alongside competitive salaries and long-term career growth opportunities. Based in London, the role offers unique international exposure, allowing you to collaborate with diverse teams across multiple continents while driving impactful people strategies.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Lending Operations Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Elect Capital. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Lead Lending Operations Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Elect Capital.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Elect Capital's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Elect Capital
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Elect Capital.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Elect Capital will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Elect Capital employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
