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About the Role

We are seeking a Lending Controller to assume end-to-end operational ownership of our lending function. This new role will oversee the entire loan lifecycle, from application scrubbing through underwriting to post-approval preparation, ensuring efficient and accurate pipeline operations during our scaling phase. You will manage and develop the teams responsible for each stage and serve as the operational link between sales, risk, and funding.

Responsibilities

Own end-to-end operational performance of the lending pipeline: scrubbing, underwriting, and prepping
Manage, coach, and develop the Scrubber, Underwriter, and Prepper teams across multiple markets
Design and enforce SOPs, turnaround-time targets, and quality standards across each stage of the pipeline
Identify and resolve bottlenecks between application intake, credit decisioning, and deal completion
Partner closely with Risk, Sales, and Finance to ensure the lending process is fast, accurate, and compliant
Build reporting and dashboards to track pipeline volume, turnaround times, and conversion at each stage
Drive continuous process improvement as loan volumes and headcount scale
Support hiring and onboarding for lending operations roles alongside Talent

Requirements

Proven experience managing a lending operations function, ideally within SME/commercial lending, MCA, or fintech
Strong understanding of the full loan lifecycle — from application through underwriting to funding
Track record managing and developing teams across multiple functions or stages
Excellent process and SOP-building instincts; comfortable designing structure from scratch
Data-literate — confident working with pipeline reporting, dashboards, and turnaround metrics
Calm under pressure, with strong stakeholder management across Sales, Risk, and Finance

Skills

Lending operations management
SME/commercial lending
MCA
Fintech
Loan lifecycle management
Team management
Team development
SOP development
Process improvement
Data analysis
Stakeholder management

Location

London

Work Type

4 days/week in-office
Hybrid

Experience Level

Managerial
Senior

Salary/Compensations

Competitive salary plus performance-based bonus

Benefits

Private healthcare
Wellbeing benefits

About the Company

Elect Capital is a fast-growing SME lender providing working capital loans, business loans, and merchant cash advances to small and medium-sized businesses.
We operate across the UK, Australia, Canada, and the US, helping ambitious businesses access the funding they need to grow.
Our Mission: We exist to give SMEs the capital and confidence to grow — fast, fair, and without the friction of traditional lending.
Our Values: C.O.R.E - Challenge, Opportunity, Resilience, Edge.
A fast-paced, high-growth environment with genuine progression opportunities.
A collaborative, ambitious team that lives by C.O.R.E