In-life Lending Manager

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 a