About Allica Bank
Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.
Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.
Purpose of Role
We’re looking for a In-life Lending Manager to join our Credit Monitoring Team (CMT). This role sits at the heart of our loan book, managing customer relationships post origination and ensuring strong credit oversight throughout the lifecycle.
You’ll play a key role in:
Managing in-life changes to lending facilities
Monitoring credit risk and identifying early warning signs
Supporting customers while protecting the bank’s position
Driving process improvements as we continue to scale
This is a high impact role with real exposure across credit, operations, and relationship teams.
Principal Accountabilities
Managing In-Life Changes
Own complex borrower requests (e.g. restructures, security changes, loan modifications)
Engage directly with customers to understand and assess requests
Work closely with underwriting and relationship teams on credit decisions
Ensure consistent processes and high-quality documentation
Credit Monitoring & Risk Management
Review and triage Early Warning Indicator (EWI) alerts
Identify emerging risks and take appropriate action
Manage pre-watchlist accounts and support remediation strategies
Customer & Stakeholder Management
Deliver great customer outcomes aligned to Consumer Duty and TCF
Work collaboratively across relationship, underwriting, and collections teams
Engage with broker-introduced customers in line with agreements
Process, Governance & Improvement
Help build and embed scalable processes for in-life lending
Develop meaningful MI and reporting for oversight and planning
Identify trends and drive improvements across credit and workflow
Contribute to continuous improvement as the team evolves
Personal Attributes & Experience
A strong understanding of SME/commercial lending and in-life credit risk monitoring, including interpreting early warning indicators and identifying emerging credit deterioration
Customer-focused mindset, balanced with risk discipline able to support customers early while protecting the Bank’s position and escalating when required
Strong judgement and ability to prioritise effectively in a fast-moving environment, while maintaining robust controls and good documentation standards
Proven ability to build and embed processes, MI, and ways of working, and to drive continuous improvement across cross-functional stakeholders
Confident communicator who can engage internal stakeholders and customers professionally, sensitively, and with a strong focus on fair outcomes
Comfortable working with imperfect data and evolving processes, with the ability to create structure, clarity and governance as the model matures
Working at Allica Bank
At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.
Our employees are at the heart of everything we do, so our benefits are designed with you in mind:
Full onboarding support and continued development opportunities
Options for flexible working
Regular social activities
Pension contributions
Discretionary bonus scheme
Private health cover
Life assurance
Family friendly policies including enhanced Maternity & Paternity leave
Don’t tick every box?
Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!
Flexible working
We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.
Diversity
We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.
Skills Required
- Strong understanding of SME/commercial lending and in-life credit risk monitoring
- Ability to interpret early warning indicators and identify emerging credit deterioration
- Customer-focused mindset balanced with risk discipline to support customers while protecting the bank
- Strong judgement and ability to prioritise effectively while maintaining robust controls and documentation standards
- Proven ability to build and embed processes, management information (MI), and ways of working
- Ability to drive continuous improvement across cross-functional stakeholders
- Confident communicator able to engage internal stakeholders and customers professionally and sensitively
- Comfortable working with imperfect data and evolving processes, creating structure, clarity and governance
What We Do
Recently named by The Times newspaper as one of the UK’s Top 20 fintech companies, Allica Bank is dedicated to serving and supporting small and medium businesses and empowering them to succeed. We combine modern, powerful technology with local relationships in the community to deliver expert banking for businesses in Britain. We have offices in Milton Keynes, Manchester and London, and a team of expert relationship managers out on the road across England and Wales, providing personal support to small and medium-sized businesses in their local communities. In everything we do, we live and breathe our four core values of collaboration, integrity, delivery and being straightforward.
