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Senior Underwriter
đź“ŤLondon, UK | Reporting to: Head of Credit Risk | 3+ Days Office-Based
About Elect Capital
Elect Capital backs ambitious businesses across the UK, Canada, Australia and the US with fast, transparent funding. We deliver 1–9 month business financing with daily or weekly repayments, and 90% of completed applications receive an offer within 4 hours. Whether clients apply directly or through a broker, we make the funding journey sharp, clean and simple. We're not here to reinvent financing. We're here to do it better.
Our Mission
To back ambition — disrupting traditional finance and connecting businesses to 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.
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The Role
We are looking for a sharp, decisive Senior Underwriter to take full ownership of credit decisions. You will 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 position where commercial instinct and pace are essential.
Key Responsibilities
- Lead underwriting on deals ranging from ÂŁ25k to ÂŁ750k.
- Analyse financial statements and open banking data to evaluate creditworthiness.
- Apply credit risk policies while identifying smart, commercial exceptions.
- Structure offers that balance speed, risk, and commercial value.
- Partner with the sales team to ensure fast decisions and clean execution.
- Escalate and advise on complex edge cases and scenarios.
- Maintain CRM accuracy and detailed underwriting documentation.
- Coach junior team members and support credit policy refinement.
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What We're Looking For
- Highly organised — nothing gets missed, nothing gets dropped.
- Thrives in fast-paced environments with many moving parts.
- Clear, professional communicator with a commercial edge.
- Self-starter who remains aligned with team goals.
- Bonus: Experience in unsecured, short-term SME underwriting.
Our Offer
- A fast, focused environment where impact is immediate.
- Full ownership and a voice in how we improve.
- Growth opportunities with a company scaling quickly.
- A team that values clarity, pace, and practical thinking.
- Competitive salary and a path for progression.
- The chance to contribute to a mission-driven company.
Think you're a fit? Let's talk.
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