In-life Lending Manager

In-life Lending Manager LocationLondon OfficeEmployment TypeFull timeLocation TypeHybridDepartmentLending & OperationsOperationsLending OperationsAbout Allica BankAllica 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 RoleWe’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 facilitiesMonitoring credit risk and identifying early warning signsSupporting customers while protecting the bank’s positionDriving process improvements as we continue to scaleThis is a high impact role with real exposure across credit, operations, and relationship teams.Principal AccountabilitiesManaging In-Life ChangesOwn complex borrower requests (e.g. restructures, security changes, loan modifications)Engage directly with customers to understand and assess requestsWork closely with underwriting and relationship teams on credit decisionsEnsure consistent processes and high-quality documentationCredit Monitoring & Risk ManagementReview and triage Early Warning Indicator (EWI) alertsIdentify emerging risks and take appropriate actionManage pre-watchlist accounts and support remediation strategiesCustomer & Stakeholder ManagementDeliver great customer outcomes aligned to Consumer Duty and TCFWork collaboratively across relationship, underwriting, and collections teamsEngage with broker-introduced customers in line with agreementsProcess, Governance & ImprovementHelp build and embed scalable processes for in-life lendingDevelop meaningful MI and reporting for oversight and planningIdentify trends and drive improvements across credit and workflowContribute to continuous improvement as the team evolvesPersonal Attributes & ExperienceA strong understanding of SME/commercial lending and in-life credit risk monitoring, including interpreting early warning indicators and identifying emerging credit deteriorationCustomer-focused mindset, balanced with risk discipline able to support customers early while protecting the Bank’s position and escalating when requiredStrong judgement and ability to prioritise effectively in a fast-moving environment, while maintaining robust controls and good documentation standardsProven ability to build and embed processes, MI, and ways of working, and to drive continuous improvement across cross-functional stakeholdersConfident communicator who can engage internal stakeholders and customers professionally, sensitively, and with a strong focus on fair outcomesComfortable working with imperfect data and evolving processes, with the ability to create structure, clarity and governance as the model maturesWorking at Allica BankAt 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 opportunitiesOptions for flexible workingRegular social activitiesPension contributionsDiscretionary bonus schemePrivate health coverLife assuranceFamily friendly policies including enhanced Maternity & Paternity leaveDon’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 workingWe know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and...