Underwriter

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