Associate Relationship Manager - Midlands

In this role you manage a portfolio of SME clients to deliver outstanding service and trusted relationships, while driving commercial targets and leveraging Allica’s products. You will build networks with SME advisers and the business community to generate opportunities and support client growth. You’ll balance lending growth, deposits, and cross-sell within a risk-aware framework, using data and systems to spot early signs of stress. You’ll work closely with a Senior Relationship Manager and the broader team, contributing to personal development and cross-functional collaboration. This is an opportunity to shape SME relationship banking at a fast-growing fintech, with a focus on practical,;

• Full onboarding and continued development
• Flexible working
• Discretionary bonus scheme
• Private health cover
• Pension contributions
• Life assurance

• Manage a portfolio of SME customers delivering outstanding customer service and building deep client understanding
• Achieve commercial targets including lending, new customer/deposit acquisition, and cross-sell of Allica products
• Build and leverage an external network with SME advisers and business communities to generate opportunities
• Ensure effective risk management on the portfolio with timely, high-standard risk activities
• Use customer data and internal systems to identify signs of client stress and take proactive action
• Support Senior Relationship Manager in personal development and wider team learning
• Participate in new business campaigns, events, lead follow-ups, and some cold calling when appropriate
• Maintain accurate CRM records and disciplined follow-up on customer, prospect, and portfolio activity
• Foster strong, collaborative relationships with internal stakeholders to meet customer needs efficiently
• Contribute to event organisation and follow-up to strengthen local SME relationships

• Some B2B sales, account management and/or SME banking experience
• Interest in building a career in SME relationship banking and supporting SMEs
• Experience of commercial lending and ability to analyse financial accounts (benefit)
• Curious, proactive and keen to learn with a drive to develop lending, sales, risk management and portfolio management skills
• Confident engaging with customers, prospects and advisers across in-person, video, and phone channels
• Good organisation and attention to detail for handling customer information, portfolio tasks and follow-ups
• Experience or familiarity with customer service, sales, and account management in a B2B/financial services environment
• Familiarity with systems, CRM tools, and data to manage activity and outcomes
• Experience using AI tools in a business environment would be beneficial
• Energetic, resilient, hands-on with ownership of outcomes
• Strong communication skills and the ability to build credibility with diverse stakeholders
• Alignment with Allica’s values and ability to contribute to the Direct Relationship Management channel

• Curious and proactive mindset
• Strong communication and relationship-building
• Attention to detail and organizational skills
• CRM tools
• Data-driven decision making
• Knowledge of lending and financial analysis