Senior Underwriter in London

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 MISSIONWe 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 VALUESC.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 FITWe\’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 ROLEWe\’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.

Seniority levelMid‐Senior level

Employment typeFull‐time

Job functionFinance and Sales

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