Invoice Finance Relationship Manager

Allica Bank Ltd

Job Overview

Location

London

Job Type

Full-time

Full Job Description

📋 Description

• Allica Bank is on a mission to redefine banking for established Small and Medium-sized Enterprises (SMEs), a sector historically underserved by both traditional institutions and agile fintechs. As the UK's fastest-growing company and the fastest-growing financial technology firm ever, we are dedicated to empowering these vital businesses that form the backbone of our economy. We are seeking a highly motivated and commercially astute Invoice Finance Relationship Manager to join our dynamic team, focusing on the London and South East region.
• In this pivotal role, you will be entrusted with the stewardship of an existing portfolio of Invoice Finance SME customers. Your primary objective will be to cultivate and deepen these relationships, ensuring our clients receive unparalleled service and support. This involves proactively identifying opportunities to enhance their financial standing through Allica Bank's comprehensive suite of services, including managing upsizing requests and facilitating timely renewals of existing facilities. Your success will be measured by your ability to not only retain but also grow our customer base, solidifying Allica's position as a trusted financial partner.
• Beyond managing existing relationships, you will be a key player in originating new business. This entails guiding prospective clients through the entire journey, from initial enquiry and application to seamless onboarding. You will leverage your deep understanding of SME lending and your commercial acumen to assess client needs, structure bespoke financial solutions, and present compelling proposals. The ability to effectively manage SME credit risk is paramount, ensuring that Allica Bank's lending practices are both robust and sustainable.
• A core aspect of your role will involve understanding the intricate needs and ambitious business aspirations of your SME clients. You will act as a trusted advisor, offering insights and solutions that align with their growth strategies. This requires a proactive approach to monitoring their financial health, ensuring compliance with covenants, and overseeing the portfolio to achieve target credit performance. Your expertise in Invoice Finance will be crucial in identifying opportunities for facility increases and ensuring that clients benefit from the full spectrum of Kriya and Allica Bank's offerings.
• You will be instrumental in driving the Kriya Invoice Finance business plan forward. This involves setting and achieving ambitious objectives, actively managing your personal development plan, and consistently striving for excellence. We expect our Relationship Managers to be recognised as true experts and valued partners within their client base and the wider business community. Your commitment to delivering exceptional service to both existing customers and new prospects will be a hallmark of your contribution.
• Collaboration is key to our success. You will work closely with a diverse range of internal teams, including the wider sales force on new business initiatives, the credit team to ensure sound risk assessment, and payment operations to guarantee a smooth and professional client experience. Your ability to foster strong working relationships across departments will be vital in delivering a seamless and integrated service.
• We foster a culture of continuous improvement and mutual respect. As a member of the Allica Bank team, you will be expected to be a positive contributor to our vibrant culture, consistently embodying our core values. This includes maintaining the highest standards of integrity, professionalism, and a commitment to making your colleagues proud to be associated with Kriya and Allica Bank.
• Adherence to all mandatory policies and operational procedures is non-negotiable. You will be responsible for maintaining robust internal controls and ensuring compliance with all regulatory requirements, safeguarding the bank's reputation and financial stability. This role offers a unique opportunity to shape the future of SME banking, working within a fast-paced, entrepreneurial environment that values innovation, accountability, and a bias towards action. Your ability to navigate ambiguity and actively contribute to process improvement will be highly valued.

🎯 Requirements

• A strong understanding of SME lending, with a demonstrable background specifically in Invoice Finance.
• Proven track record as a highly capable Relationship Manager and Business Developer, with experience in building high-value, trust-based, and long-lasting client relationships.
• Ability to analyse and review financial accounts and associated information, coupled with strong commercial judgment to identify cross-sell opportunities.
• Excellent interpersonal and communication skills, with the ability to expertly structure new lending proposals and write credit applications.
• A self-starter with an entrepreneurial mindset and a passion for supporting SMEs, comfortable operating in a fast-moving environment with high personal accountability.

🏖️ Benefits

• Full onboarding support and continued professional development opportunities.
• Options for flexible and hybrid working arrangements.
• Comprehensive private health cover and life assurance.
• Generous pension contributions and a discretionary bonus scheme.
• Family-friendly policies, including enhanced Maternity & Paternity leave.

Skills & Technologies

Hybrid

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Allica Bank Ltd

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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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