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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, ownership of work, and opportunities for rapid career growth.
- Why this job: Make an immediate impact in a fast-moving environment while supporting ambitious businesses.
- Qualifications: Experience in underwriting, strong organisational skills, and a commercial mindset.
- Other info: Join a mission-driven team that values clarity, pace, and practical thinking.
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 employer: ELECT CAPITAL
Contact Detail:
ELECT CAPITAL Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Underwriter
✨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 a job opening!
✨Tip Number 2
Prepare for interviews by researching the company and its values. At Elect Capital, they value clarity, action, and ownership. Show them you embody these traits by sharing examples from your past experiences that highlight your sharp mind and strong work ethic.
✨Tip Number 3
Practice your pitch! Be ready to explain how your skills align with the role of Senior Underwriter. Focus on your ability to assess risk quickly and accurately, and how you can contribute to making funding journeys sharp and simple.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re serious about joining a fast-paced team that thrives on ambition and resilience.
We think you need these skills to ace Senior Underwriter
Some tips for your application 🫡
Be Sharp and Clear: When you’re writing your application, make sure to keep it sharp and clear. We want to see your commercial edge and how you can communicate effectively. Avoid jargon and get straight to the point – we love clarity!
Show Your Resilience: Highlight your ability to stay calm and focused under pressure. Share examples of how you've tackled challenges in fast-paced environments. We’re looking for candidates who can adapt quickly and keep the momentum going!
Demonstrate Ownership: We value self-starters who take ownership of their work. In your application, showcase instances where you’ve gone beyond the job description and made a real impact. Show us how you can contribute to our mission of backing ambition!
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. We can’t wait to see what you bring to the table!
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 experiences where you made quick, effective decisions under pressure. Highlight how your instincts helped you spot issues and implement solutions swiftly, aligning with their fast-paced environment.
✨Emphasise Teamwork and Resilience
The role requires a team-first mentality. Be ready to share stories about how you've collaborated with others to achieve goals, especially in challenging situations. Discuss how you support your colleagues while also pushing for high standards, reflecting Elect's values of resilience and challenge.
✨Prepare for Edge Cases
Expect questions about complex underwriting scenarios. Think through potential edge cases you’ve encountered and how you navigated them. This will demonstrate your ability to think critically and act decisively, which is crucial for maintaining speed and accuracy in decision-making.
