In-life Lending Manager

About This Opportunity

We are representing a confidential fintech organization in their search for an In-life Lending Manager to join their Credit Monitoring Team in Manchester. This role sits at the heart of a growing SME loan book, managing customer relationships post-origination and ensuring strong credit oversight throughout the lending lifecycle.

You'll play a critical role in managing in-life changes to lending facilities, monitoring credit risk, identifying early warning signals, and supporting customers while protecting the organization's position. This is a high-impact role with real exposure across credit, operations, and relationship management teams.

Responsibilities

• Own complex borrower requests including restructures, security changes, and loan modifications
• Engage directly with customers to understand and assess in-life change requests
• Collaborate closely with underwriting and relationship teams on credit decisions
• Review and triage Early Warning Indicator (EWI) alerts to identify emerging risks
• Manage pre-watchlist accounts and support remediation strategies
• Deliver strong customer outcomes aligned to Consumer Duty and Treating Customers Fairly principles
• Work collaboratively across relationship, underwriting, and collections teams
• Build and embed scalable processes for in-life lending as the business grows
• Develop meaningful management information and reporting for oversight and planning
• Identify trends and drive improvements across credit workflows
• Ensure consistent processes and high-quality documentation standards

What We're Looking For

• Strong understanding of SME/commercial lending and in-life credit risk monitoring
• Experience interpreting early warning indicators and identifying emerging credit deterioration
• Customer-focused mindset balanced with risk discipline
• Strong judgment and ability to prioritize effectively in fast-moving environments
• Proven ability to build and embed processes, MI, and ways of working
• Confident communicator who can engage internal stakeholders and customers professionally
• Ability to drive continuous improvement across cross-functional teams
• Comfortable working with imperfect data and evolving processes
• Capacity to create structure, clarity, and governance as models mature
• Ability to support customers early while protecting the bank's position and escalating when required

How We Work With You

When you apply through Get A Job.ai, our talent team will screen your application and arrange an initial conversation. If there's a strong match, we will submit your profile to our client for consideration. Please do not contact the client directly—all communication should flow through Get A Job.ai to ensure a professional and coordinated process.

This role offers flexible and hybrid working options in Manchester, with full onboarding support, continued development opportunities, pension contributions, discretionary bonus scheme, private health cover, life assurance, and family-friendly policies.

Pay

Compensation details will be discussed during the screening process with our recruiting team.

Equal Opportunity

Get A Job.ai is committed to fostering an inclusive recruitment process. We welcome candidates from all backgrounds and experiences.