In-life Lending Manager

Overview

In-life Lending Manager at Allica Bank leads ongoing credit oversight of the loan book and manages post-origination customer interactions. You’ll balance risk controls with supportive customer service, driving scalable processes as the team scales. The role sits at the heart of the Credit Monitoring Team, collaborating across underwriting, relationship, and collections to protect the bank and deliver strong customer outcomes. This is a high-impact, cross-functional position at a fast-growing fintech lender dedicated to established SMEs.

Pay / Benefits

• Full onboarding support and continued development opportunities
• Flexible and hybrid working
• Pension contributions
• Discretionary bonus scheme
• Private health cover
• Life assurance

Responsibilities

• Own and assess complex borrower requests such as restructures, security changes, and loan modifications; coordinate with underwriting and relationship teams to make credit decisions; ensure consistent processes and high-quality documentation
• Monitor credit risk by reviewing Early Warning Indicator (EWI) alerts and triaging issues; identify emerging risks and support remediation strategies
• Manage pre-watchlist accounts and contribute to remediation efforts to protect the bank’s position
• Deliver customer outcomes in line with Consumer Duty and TCF; collaborate with relationship, underwriting, and collections teams; engage with broker-introduced customers as per agreements
• Help build and embed scalable in-life lending processes; develop meaningful MI and reporting for oversight and planning; identify trends and drive cross-functional improvements
• Contribute to continuous improvement as the team evolves; maintain robust controls and accurate documentation

Key requirements

• strong understanding of SME/commercial lending and in-life credit risk monitoring; ability to interpret EWIs and detect deteriorating credit signals
• customer-focused mindset with risk discipline; able to support customers while protecting the bank and escalate when needed
• good judgement and prioritisation in a fast-moving environment; robust controls and documentation standards
• proven ability to design and embed processes, MI, and ways of working across cross-functional stakeholders
• confident communicator with internal and external stakeholders; able to handle sensitive conversations professionally
• comfort with imperfect data and evolving processes, able to create structure, clarity and governance as models mature

• customer-focused
• strong judgement
• clear communicator
• SME/commercial lending knowledge
• in-life credit risk monitoring
• interpreting EWIs (Early Warning Indicators)

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