Lending Operations Associate

About Shuffle

We’re on a mission to help great independent hospitality businesses grow.

Shuffle is a two sided marketplace provides upfront capital for the best hospitality business in the UK, and random cashback rewards for the customers of those businesses through the Shuffle app.

After a careful selection process, Shuffle invests directly into restaurants, bars, and cafes. It is the return on these investments that allows us to offer rewards to our customers, and our relationship with our restaurant partners ensures no one is left short by any transaction.

Shuffle was founded in 2023 and we’re live in London, Manchester, Liverpool, Glasgow, and Edinburgh.
Our partners include well known local names such as Lina Stores, Salon Madre, Onda, Amber’s, and Maray to name but a few.

We've raised £9m in funding so far from top tier VCs in both Europe and Canada, including JamJar, Portage, Episode1, Antler, and True Ventures.

What is it like working at Shuffle?

We are driven by four core values, which underpin our culture and the way we operate as a business:

• We don’t just work at Shuffle – we own it

• We work smarter, otherwise we work harder

• Winning is the goal, and we play to win

• Understanding others makes us stronger, sharper and better together.

We believe in building a small team of A-players: high performing individuals who drive impact.
We foster an in-person culture, with four office days each week. Wednesdays are optional for remote work, giving you flexibility while maintaining the collaboration that drives our success.

About the role

We’re hiring a Lending Operations Associate to own the day-to-day running of Shuffle’s lending.

Our Head of Lending focuses on credit policy, lending decisions and portfolio performance. You’ll make sure every application, contract and repayment behind those decisions is handled accurately and on time, from first application through to drawdown and in-life management. You’ll work closely with our Lending, Customer Success, Sales and Product teams, and help us automate more of the process as our tooling develops.

You'll be expected to:

1. Process Applications - Prepare scorecards and case files so credit decisions can be made quickly and accurately.

2. Complete Loans - Get contracts out, signed, checked and drawn down without errors.

3. Manage the Loan Book - Keep the loan report accurate and manage loans in-life, including payment caps and arrears.

4. Improve the Process - Spot manual work that can be simplified or automated, and help make it happen.

This role provides an excellent foundation for a career in lending and fintech operations, working directly with an experienced Head of Lending.

What you'll be doing

Applications & Underwriting Support

• Process new loan and top-up applications, including Experian checks and risk scorecards

• Prepare case files for loans going to Investment Committee

• Calculate payment caps and communicate them to the merchant team

Loan Documentation & Completion

• Generate contracts, send them for signing and track signatures

• Make sure all documents are held and correct before loans are released

• Set up Direct Debits and check bank details

• Register Scottish assignations with the Registers of Scotland

• Instigate loan drawdowns once authorised

• Add borrowers to our Experian monitoring dashboard

Loan Administration & In-life Management

• Allocate weekly Direct Debit payments and keep the loan report up to date

• Manage loans in-life in line with our in-life management approach

• Chase arrears and keep the Lending team informed

Process Improvement

• Keep process documents up to date

• Work with Product and Engineering to test and roll out automation of contract generation, scorecards and reporting

Who you are

• Detail-Oriented: Accurate and careful, and you take pride in getting the details right

• Organised & Reliable: Able to manage multiple loans and deadlines at once without things slipping

• Numerate: Comfortable with spreadsheets, numbers and basic business financials

• Clear Communicator: Confident speaking with merchants and colleagues, in writing and on the phone

• Improvement Minded: You want to make processes better, not just follow them

Experience in lending operations, credit administration, finance operations or a similar role is a plus, as is an interest in fintech and hospitality. You're comfortable with technology and quick to learn new tools such as Notion and HubSpot.

What we offer

• Competitive pay (70‑95th percentile) + meaningful equity

• 33 paid days off each year: 20 days of personal holiday, 8 UK bank holidays, plus a 5-day company-wide Christmas shutdown to recharge

• Private healthcare through AXA

• Extra reward boosts at Shuffle partner venues

• A front‑row seat in the journey from early‑stage to unicorn 🦄

Compensation range

• Base salary of £30,000 - £35,000 gross annually*

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience