Commercial Finance Business Development Manager

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. Kriya sits inside that story as Allica's platform for building new credit products. We already offer invoice finance to mid-market SMEs. We are now evaluating how best to launch unsecured lending products to SMEs, building on the well-known MarketFinance loans franchise, but backed by Allica's balance sheet, cost of funds, and 30,000+ SME customer base. Role Description Small businesses can't afford to wait around. When a cash flow gap or a growth opportunity appears, the SMEs we serve need funding that moves at the same speed they do, which is exactly the gap Kriya's unsecured lending products are built to fill. We are looking for a Commercial Finance BDM to help drive new business across Kriya's unsecured, high-velocity SME lending products. This is an entrepreneurial, high-activity sales role: you'll build and manage your own pipeline of prospects, qualify fast, and take ownership of your numbers. Every conversation with a prospective customer is different, and how well you manage your own pipeline rather than any one big deal is what will make the difference to your results. You will also have Allica’s wider distribution network to make the most of. The products: - Invoice Finance, Export lending, SME loans and working capital products - Facility sizes: £100k - £1m - Pricing positioned competitively against non-bank competitors - Multiple inbound, outbound and referral channels available from day one - Room to grow into larger facilities and broader working capital products over time Principal Accountabilities - Build and nurture a high-quality pipeline of SME prospects - Run fast, structured qualification conversations to confirm genuine funding need and fit, using your own judgement on which businesses are worth pursuing - Own the sales cycle end-to-end: outreach, pitch, objection handling, close - Consistently hit and go beyond your weekly and monthly activity and conversion targets - Maintain accurate, up-to-date CRM records to support forecasting and pipeline visibility - Build repeatable outbound habits: call volume, meeting volume, follow-up cadence - Collaborate closely with credit, risk, operations and collections to resolve customer queries quickly and keep deals on track - Feed market and competitor intelligence back into the commercial team, and share what's working with the rest of the group - Build toward future team growth as origination volume justifies expansion - Implement AI in your workflows Personal Attributes & Experience - Experience selling one or more of: SME business loans, working capital loans, merchant cash advance, revenue-based finance, invoice finance, or business lines / cash flow lending. - A track record of direct SME new-business sales, not just via the introducer base - Demonstrable success operating in short sales cycles with high deal volume, ideally with a proven record of meeting or beating targets - Based in London and willing to work 1-2 days a week from the office regularly - Background at a high-volume non-bank funder, fintech or embedded lender - Exposure to fast, digital-first onboarding and payout journeys - A good understanding of the challenges facing small businesses, and the range of finance products SMEs use to manage them - Confident, direct communicator, able to explain complex financial products in a simple, compelling way to owners with little experience of commercial finance - Resilient and target-driven: you take setbacks in your stride and treat them as feedback - Strong attention to detail and accuracy, even when managing a high volume of accounts at pace - Organised pipeline management; CRM management, with deals tracked accurately at every stage - Comfortable in a hybrid Kriya-inside-Allica setup: startup-pace commercial team, bank-grade governance around it 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. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.