Job Overview
Location
Remote, UK
Job Type
Full-time
Category
Product Management
Date Posted
March 21, 2026
Full Job Description
đź“‹ Description
- • As Regional Lead - Cashflow Finance at Allica Bank, you will play a pivotal role in launching and scaling a new cashflow finance product designed to serve established, profitable SMEs lacking tangible collateral – a critical underserved segment in the UK economy. Your work will directly support Allica’s mission to empower the backbone of local communities through innovative, responsible lending.
- • You will lead the end-to-end lifecycle of cashflow funding facilities, from product design and market awareness to origination, structuring, execution, and ongoing portfolio management, ensuring alignment with risk appetite and return targets while building trusted relationships with clients and professional services networks.
- • Joining a fast-growing, purpose-driven fintech challenger bank, you’ll collaborate across functions to shape a best-in-class lending solution, operating with autonomy and impact in a remote UK-based role that values innovation, initiative, and deep SME market expertise.
- • In this role, you will develop specialist expertise in non-tangible asset-based lending, refine your ability to model complex cashflow scenarios, and grow as a trusted advisor and product advocate within a bank that prioritises employee development, flexibility, and inclusive culture.
- • Contribute to the design and delivery of a cashflow funding product that meets the needs of established SMEs without tangible collateral, leveraging market insights to shape a solution aligned with Allica’s risk appetite and growth objectives.
- • Originate, structure, and execute new cashflow funding facilities between £1m-£10m, conducting thorough financial analysis, assessing funding requirements, and modelling sensitivities to cashflow forecasts to ensure proposals are accurate, balanced, and credit-ready.
- • Promote product awareness in regional professional services communities, leveraging your established network of introducers to identify high-quality opportunities compatible with Allica’s lending criteria and return expectations.
- • Negotiate and agree terms with target businesses, oversee facility documentation and pre-commencement requirements, and ensure efficient transaction closure in strict accordance with credit-approved terms and internal control policies.
- • Provide ongoing relationship and risk management for a portfolio of cashflow clients, monitoring performance, addressing evolving needs, and advocating for the product internally to drive cross-functional alignment and adoption.
- • Comply with all mandatory policies, develop and adhere to operational procedures, and maintain a strong internal control environment while championing innovation through a hands-on, entrepreneurial approach to product launch and scaling.
🎯 Requirements
- • Proven experience originating, structuring, and managing cashflow or asset-based lending facilities in the £1m-£10m range for established SMEs, preferably without tangible collateral.
- • In-depth understanding of SME lending markets, particularly non-tangibly secured cashflow lending, including ability to analyse balance sheets, cashflow forecasts, and model sensitivities.
- • Established network of professional services introducers (e.g., accountants, lawyers, advisors) active in the SME financing market who can generate quality deal flow.
- • Excellent interpersonal and communication skills, with demonstrated ability to build and maintain strong relationships with clients, introducers, and internal stakeholders.
- • Strong organisational skills, attention to detail, and ability to manage multiple complex transactions through to completion while adhering to risk and compliance standards.
- • A proactive, innovative mindset with a desire to shape a new product through hands-on involvement in design, launch, and execution.
🏖️ Benefits
- • Full onboarding support and continued development opportunities to grow your expertise in specialist lending and fintech innovation.
- • Flexible working arrangements, including remote and hybrid options, designed to suit individual needs and promote work-life balance.
- • Comprehensive benefits package including private health cover, life assurance, pension contributions, discretionary bonus scheme, and family-friendly policies such as enhanced maternity and paternity leave.
- • Regular social activities and a diverse, inclusive culture where employees are encouraged to bring their whole selves to work.
- • Opportunity to work at the UK’s fastest-growing fintech bank, contributing to a mission-driven purpose of supporting established SMEs – the backbone of the local economy.
Skills & Technologies
Senior
Remote
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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