Job Overview
Location
London Office
Job Type
Full-time
Category
Operations
Date Posted
April 22, 2026
Full Job Description
đź“‹ Description
- • As a Relationship Manager (In-Life Lending) at Allica Bank, you will play a critical role in managing customer relationships post-loan origination, ensuring strong credit oversight throughout the loan lifecycle while supporting the bank’s mission to serve established SMEs—the backbone of the UK economy.
- • Day to day, you will own complex borrower requests such as restructures and security changes, review and triage Early Warning Indicator (EWI) alerts, engage directly with customers to assess needs, collaborate with underwriting and relationship teams on credit decisions, and help build scalable processes and meaningful management information (MI) for ongoing oversight.
- • You will join Allica Bank’s Credit Monitoring Team (CMT), a high-impact function sitting at the heart of the loan book, working across credit, operations, and relationship teams in a fast-growing UK fintech dedicated to underserved SMEs.
- • In this role, you will develop deep expertise in SME/commercial lending and in-life credit risk management, strengthen your stakeholder engagement and judgement skills, and contribute to process improvement and governance as the team scales—building experience that is both technically rigorous and customer-focused.
🎯 Requirements
- • 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
- • Proven ability to build and embed processes, management information (MI), and ways of working, and to drive continuous improvement across cross-functional stakeholders
🏖️ Benefits
- • Full onboarding support and continued development opportunities
- • Options for flexible working
- • Private health cover and life assurance
- • Pension contributions and discretionary bonus scheme
- • Family friendly policies including enhanced maternity & paternity leave
- • Regular social activities
Skills & Technologies
About Allica Bank Ltd
Allica Bank is a modern digital bank built for established UK businesses with 5-250 employees. They offer business bank accounts with competitive rates, cashback, and no monthly fees for qualifying customers, alongside savings, commercial mortgages, asset finance, and growth finance solutions. Allica emphasizes a return to 'relationship banking,' providing customers with a dedicated relationship manager and UK-based support, a stark contrast to the often impersonal experience with larger banks. Their customer stories highlight successful business growth and streamlined banking processes, underscoring their commitment to serving the vital SME sector.
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