# Lead Lending Operations Analyst

**Company:** [Elect Capital](http://jobs.workable.com/companies/4Bkd3b4TsTiEFSRnQ28iFT.md)
**Location:** London, United Kingdom
**Workplace:** on site
**Employment type:** Full-time
**Department:** Lending

[Apply for this job](http://jobs.workable.com/view/98eb1f6c-56b2-4591-a024-1ba25f266da2)

## Description

**Lead Lending Operations Analyst**

📍 London, UK | 4 days in-office

**About Elect Capital**  
Elect Capital is a fast-growing SME lender providing working capital loans, business loans, and merchant cash advances to small and medium-sized businesses across the UK, Australia, Canada, and the US. We exist to make fast, fair funding accessible to the businesses that keep local economies moving.

**Our Mission**  
To become the most trusted lending partner for SMEs globally — combining speed, transparency, and genuine relationship-driven support at every stage of the loan journey.

**Our Values: C.O.R.E**

-   Challenge — We question the status quo and push for better outcomes.
-   Opportunity — We spot potential where others see risk.
-   Resilience — We stay steady and solutions-focused under pressure.
-   Edge — We bring sharp thinking and a competitive instinct to everything we do.

**The Role**  
We're looking for a Lending Operations Team Lead to own the post-approval stage of our lending pipeline — the critical bridge between underwriting decisions and funds reaching our customers. You'll lead a team of Lending Operations Analysts ("preppers") responsible for preparing approved loans for completion: documentation, compliance checks, and final disbursement readiness. This is a hands-on leadership role for someone who thrives on process precision, team development, and keeping deals moving without compromising on accuracy.

**Key Responsibilities**

-   Lead, coach, and develop a team of Lending Operations Analysts, setting clear performance standards and supporting day-to-day workload management
-   Own the post-underwriting workflow: loan documentation preparation, condition clearing, compliance sign-off, and disbursement readiness
-   Monitor turnaround times and pipeline throughput, identifying and resolving bottlenecks between underwriting approval and funding
-   Act as the key point of escalation for complex or delayed cases, liaising closely with Underwriting, Credit, and Compliance teams
-   Build and refine SOPs to improve accuracy, consistency, and speed across the prepping function
-   Report on team performance, pipeline health, and completion metrics to senior leadership
-   Support hiring, onboarding, and training as the team scales

**What We're Looking For**

-   Proven experience in a lending operations, loan servicing, or post-approval/completions role within SME or commercial lending
-   Prior people management or team lead experience, ideally within a fast-paced lending or fintech environment
-   Strong working knowledge of loan documentation, conditions precedent, and disbursement processes
-   Excellent attention to detail balanced with a sense of urgency around turnaround times
-   Comfortable working cross-functionally with Underwriting, Credit, and Compliance

**Bonus:** experience with unsecured business lending or merchant cash advance products

**Our Offer**

-   Competitive base salary plus performance bonus
-   Private health insurance
-   25 days annual leave plus bank holidays
-   Genuine career progression as we scale from 40 to 200+ people
-   A collaborative, fast-moving team where your input shapes how we operate
-   Modern London office with flexible hybrid working

Think you're a fit? **Let's talk.**