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- Tasks: Lead underwriting on deals, assess risk, and structure approvals for fast-paced funding.
- Company: Elect Capital, a dynamic company disrupting traditional finance for ambitious UK businesses.
- Benefits: Competitive salary, immediate impact, growth opportunities, and a supportive team culture.
- Other info: Fast-paced environment with a focus on clarity, action, and team collaboration.
- Why this job: Join a mission-driven company where your decisions shape the future of funding.
- Qualifications: Strong work ethic, sharp mind, and experience in underwriting preferred.
The predicted salary is between 50000 - 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 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.
Underwriter in London employer: Elect Capital
Contact Detail:
Elect Capital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in London
✨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. The more connections you make, the better your chances of landing that underwriter role.
✨Tip Number 2
Prepare for interviews by researching Elect Capital and understanding their mission. Be ready to discuss how your skills align with their values of challenge, opportunity, resilience, and edge. Show them you’re not just another candidate – you’re the perfect fit!
✨Tip Number 3
Practice your pitch! You’ll want to clearly articulate your experience and how it relates to the fast-paced environment at Elect. Keep it sharp and focused, just like their approach to lending. Remember, clarity is key!
✨Tip Number 4
Don’t forget to apply through our website! It’s the quickest way to get your application in front of the right people. Plus, it shows you’re serious about joining a company that values speed and action.
We think you need these skills to ace Underwriter in London
Some tips for your application 🫡
Be Yourself: When you're writing your application, let your personality shine through! We want to see the real you, so don’t be afraid to show us what makes you unique and how you align with our values.
Tailor Your Application: Make sure to customise your application for the Underwriter role. Highlight your relevant experience and skills that match the job description. Show us how you can bring clarity and speed to our team!
Keep It Clear and Concise: We love clarity! Make your application easy to read by keeping it straightforward and to the point. Avoid jargon and fluff – just tell us what we need to know about you and your experience.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy – just a few clicks and you’re done!
How to prepare for a job interview at Elect Capital
✨Know the Company Inside Out
Before your interview, dive deep into Elect Capital's mission and values. Understand how they disrupt traditional finance and what makes their approach unique. This knowledge will help you align your answers with their goals and show that you're genuinely interested in being part of their fast-paced environment.
✨Showcase Your Analytical Skills
As an Underwriter, you'll need to assess risk and analyse financial data. Be prepared to discuss specific examples from your past experiences where you've successfully evaluated creditworthiness or made quick decisions under pressure. Highlight your ability to spot issues and propose solutions swiftly.
✨Demonstrate Resilience and Team Spirit
Elect values a team-first mentality, so be ready to share instances where you've collaborated effectively with others, especially in challenging situations. Emphasise your resilience and adaptability, showcasing how you thrive in fast-paced environments while supporting your teammates.
✨Ask Insightful Questions
Prepare thoughtful questions that reflect your understanding of the role and the company. Inquire about their approach to underwriting edge cases or how they maintain clarity and speed in decision-making. This not only shows your interest but also your critical thinking skills, which are essential for the role.