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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. 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 trends and drive improvements across credit and workflow Contribute to continuous improvement as the team evolves Personal Attributes & Experience A 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 Strong judgement and ability to prioritise effectively in a fast-moving environment, while maintaining robust controls and good documentation standards Proven ability to build and embed processes, MI, and ways of working, and to drive continuous improvement across cross-functional stakeholders Confident communicator who can engage internal stakeholders and customers professionally, sensitively, and with a strong focus on fair outcomes Comfortable working with imperfect data and evolving processes, with the ability to create structure, clarity and governance as the model matures Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: Full onboarding support and continued development opportunities Options for flexible working Regular social activities Pension contributions Discretionary bonus scheme Private health cover Life assurance Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working.

In-life Lending Manager

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