At a Glance
- Tasks: Manage customer relationships and oversee credit risk in a dynamic lending environment.
- Company: Join Allica Bank, the UK's fastest-growing fintech firm focused on SMEs.
- Benefits: Enjoy flexible working, private health cover, and a supportive team culture.
- Other info: Diverse workplace with opportunities for personal and professional growth.
- Why this job: Make a real impact by supporting local businesses and driving process improvements.
- Qualifications: Experience in SME lending and strong communication skills are essential.
The predicted salary is between 50000 - 60000 £ per year.
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 an 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.
StudySmarter Expert Advice🤫
We think this is how you could land In-life Lending Manager in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Allica Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace In-life Lending Manager in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Allica Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Allica Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Allica Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Allica Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Allica Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Allica Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
