At a Glance
- Tasks: Lead and develop a team of Loan Analysts, ensuring accurate loan application processing.
- Company: Elect Capital, a fast-growing SME lender with a mission to support local economies.
- Benefits: Competitive salary, performance bonuses, 25 days leave, and private health insurance.
- Other info: Join a collaborative culture focused on growth and opportunity.
- Why this job: Step into a leadership role in a dynamic fintech environment with real impact.
- Qualifications: Experience in loan analysis and team leadership, with strong attention to detail.
The predicted salary is between 56250 - 68750 £ 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. We operate across the UK, Australia, Canada, and the US, helping ambitious businesses access the funding they need to grow.
Our Mission
We exist to make fast, fair funding accessible to the SMEs that keep local economies moving — cutting through the slow, rigid processes of traditional lenders so business owners can focus on what they do best.
Our Values: C.O.R.E
- Challenge — we push ourselves and each other to get better every day
- Opportunity — we spot potential where others don't, in our customers and our people
- Resilience — we stay steady and solutions-focused under pressure
- Edge — we bring sharp thinking and a competitive drive to everything we do
The Role
We're looking for a Loan Analyst Team Lead to manage and develop our team of Loan Analysts, who are responsible for the first-line scrubbing and preparation of loan applications ahead of underwriting. You'll combine hands-on analytical leadership with day-to-day people management, ensuring the team maintains speed, accuracy, and consistency as application volumes scale. This is a great opportunity for an experienced analyst ready to step into their first or next leadership role within a high-growth lending business.
Key Responsibilities
- Lead, coach, and develop a team of Loan Analysts, setting clear performance expectations and supporting their growth
- Own the quality and throughput of the scrubbing process, ensuring applications are accurately prepared and handed off to Underwriting without unnecessary delay
- Review team output and provide structured feedback, identifying gaps in accuracy or process understanding early
- Design and refine workflows, checklists, and quality controls to improve consistency as the team scales
- Act as the key link between the Loan Analyst team and Underwriting, resolving queries and escalations quickly
- Monitor team capacity against application volume and flag resourcing needs to the Global Head of Sales
- Support onboarding and training for new Loan Analysts joining the team
- Maintain and report on team KPIs, including turnaround time and quality metrics
What We're Looking For
- Proven experience as a Loan Analyst, Credit Analyst, or similar role within SME or commercial lending
- Prior experience leading, mentoring, or informally supervising a small team
- Strong attention to detail and a track record of maintaining accuracy under volume pressure
- Comfortable using data to manage performance — Excel/BI tool proficiency expected
- Clear, confident communicator, able to give direct feedback and manage up to senior stakeholders
- A genuine interest in credit and lending, with an eye for spotting risk early in the process
Bonus
- Experience in a fast-scaling fintech or non-bank lender
- Exposure to unsecured SME lending or merchant cash advances specifically
Our Offer
- Competitive salary, reflective of experience
- Performance-based bonus scheme
- 25 days annual leave plus bank holidays
- Private health insurance
- Genuine progression opportunities in a fast-scaling business
- A collaborative, high-performance culture built on our C.O.R.E values
Lead Loan Analyst in London 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 Loan Analyst in London
✨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 Loan Analyst in London
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.
