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About the Role
We are looking for a sharp, decisive 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.
Responsibilities
- Lead underwriting on deals ranging from £25k to £750k.
- 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.
Requirements
- 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.
Location
- London, UK
Benefits
- 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.
About the Company
- 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, Opportunity, Resilience, Edge.