In-life Lending Manager

Allica Bank; Greater Manchester; Hybrid; GBP 60,000 - 85,000; Full time

Benefits offered by this job

Flexible working

Hybrid working

Pension contributions

Discretionary bonus

Private health cover

Life assurance

Family friendly policies

Job summary

Allica Bank seeks an In-life Lending Manager to join its Credit Monitoring Team, overseeing loan book activity after origination and ensuring strong credit oversight throughout the lifecycle.

You will manage in-life changes to lending facilities, monitor credit risk, support customers while protecting the bank’s position, and drive scalable processes with cross-functional teams across relationship, underwriting, and collections. The role offers hybrid working and a chance to impact SME lending.

Qualifications

• Strong understanding of SME/commercial lending and in-life credit risk monitoring.
• Ability to interpret early warning indicators and identify credit deterioration.
• Customer-focused with rigorous documentation and governance.
• Proven track record building processes, MI, and cross-functional ways of working.

Responsibilities

• Own in-life changes to lending facilities (restructures, security changes, modifications).
• Monitor credit risk and identify early warning signs; engage with underwriting and relationship teams.
• Deliver customer outcomes while protecting the bank’s position; collaborate with collections and broker relationships.
• Develop scalable processes for in-life lending and produce meaningful MI for oversight.

Skills

SME lending

Credit risk monitoring

Early warning indicators

Customer focus

Stakeholder management

Process improvement

MI reporting

Communication

Job description

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.

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

• 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.