Senior Underwriter

3 weeks ago

London Area, United Kingdom Elect Capital Full time

Senior UnderwriterReporting to: Head of Credit RiskLocation: London, UKWHO IS ELECT CAPITALElect 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.EChallenge – 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 FITWe’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 ethicThe ability to stay calm, focused and accurate under pressureA natural instinct to spot issues, fix them fast, and always look for a better wayResilient and a team-first mentality – we challenge each other daily, but we back each other even harderA bias for clarity, action and ownershipA desire to go beyond the job description and raise the barTHE ROLEWe’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 RESPONSIBILITIESLead underwriting on deals from £25k–£750kAnalyse financials, bank data, and open banking feeds to assess creditworthinessApply credit risk policies while spotting smart exceptionsStructure offers that balance speed, risk, and commercial valueWork closely with the sales team to support fast decisions and clean executionEscalate and advise on edge cases and complex scenariosMaintain underwriting documentation and CRM accuracyCoach junior underwriters and support continuous credit policy refinementWhat we’re looking forHighly organised — nothing gets missed, nothing gets droppedThrives in fast-paced environments with multiple moving partsClear, professional communicator with a commercial edgeSelf-starter who stays aligned with team goalsBonus: Experience in unsecured, short term SME underwriting.Our Offer?A fast, focused environment where your impact is immediateOwnership over your work and a voice in how we improveOpportunities to grow with a company that’s scaling quicklyA team that values clarity, pace, and practical thinkingCompetitive salary and path for progressionA chance to contribute to a mission driven companyThink you’re a fit? Let’s talk.

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