In-life Lending Manager

Descripción del puesto

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 tren