Relationship Manager

LendingCrowd; City of Edinburgh; On-site; GBP 30,000 - 45,000; Full time

Job summary

A leading fintech company in Edinburgh seeks a Relationship Manager to proactively manage a portfolio of borrowers and support them with their loans. The role involves communicating with borrowers, carrying out financial analyses, and collaborating with internal departments. The ideal candidate has a minimum of one year of experience in financial services and proficiency in debt recovery processes. This position offers a competitive salary and significant career development opportunities.

Benefits

Competitive salary

Full training

Career development opportunities

Qualifications

• Minimum one year experience in financial services.
• Ability to manage multiple borrower accounts.
• Experience in debt recovery for SMEs.

Responsibilities

• Proactively manage borrower portfolio.
• Complete annual borrower reviews.
• Liaise with internal departments for support.

Skills

Customer relationship management

Financial analysis

Debt recovery

Communication skills

Problem-solving

Job description

Are you good with clients and thinking about that next move? If so, this is an opportunity for you to make a real difference to the lives of small businesses and their owners.

At LendingCrowd, we’re challenging the market for business lending by doing things differently, and that’s where you come in. As a key part of our scaling and growth, we have opened an exciting role within our Loan Servicing team for an enthusiastic Relationship Manager. Your focus will be the proactive management of our borrower portfolio – supporting borrowers in managing their loan, focusing on those who present additional risk to LendingCrowd, managing in-life events and reviews, and ensuring that communications strike a balance between treating customers fairly and improving the health of the LendingCrowd portfolio. As our loan book grows, so will your opportunities to grow with us.

About the role

Reporting to our Loan Servicing Manager, this is a role for a dynamic person with a growth mindset. As a key member of our Loan Servicing team, you’ll be responsible for:

• Providing a service to borrowers to assist in managing their loan (early repayments, new lending, forbearance, payment queries, general enquiries)
• Proactively managing borrower queries and monitoring alerts
• Completing borrower reviews on an annual basis, or as part of the in-life events process
• Managing borrower communications to assist with the collection of overdue repayments
• Managing the defaulted borrowers process and liaising with the Recoveries team
• Managing and conducting outbound communication campaigns to meet marketing or operational goals
• Managing the process of customer complaints
• Proactively liaising with internal departments, for example Sales and Credit & Finance
• Ensuring company records are kept up to date, in line with LendingCrowd’s contractual and regulatory obligations
• Participating in the delivery of management information for customer-related activities

You’ll also assist with retail lender enquiries to help lenders with the management of their LendingCrowd account, adhering to lender-related processes.

About you

In terms of knowledge, skills and experience, we would expect you to have:

• A minimum of one year’s experience in a financial services environment
• The drive to provide quality output as part of a high‑performing team within a volume lending environment
• The ability to meet deadlines and support colleagues in the portfolio management team to support our borrowers and retail lenders
• Experience of working with customers through arrears, recoveries and litigation processes
• Experience in debt recovery for SME borrowers
• Experience in analysing and interpreting financial information to assess the prospects of recovery
• Experience of proactively managing a portfolio of customers within a financial services business
• The confidence to liaise with borrowers at different levels
• The confidence to interrogate and provide decisions on in‑life events under own delegated lending authority

It would also be beneficial if you have a working knowledge of insolvency in law in both England & Wales and Scotland, and experience of:

• Completing and analysing credit reference agency reports
• Conducting and completing Anti‑Money Laundering and Know Your Customer checks on borrowers
• Analysing and interpreting financial statements provided by SMEs
• Corporate and personal insolvency

LendingCrowd is on a mission to change the way small businesses borrow money to invest, recover and grow. Blending the latest cutting‑edge technology with financial experience and backing, we have developed a scalable lending platform that provides an attractive alternative to the current limitations of business borrowing. It’s an exciting time to join us!

You’ll receive a competitive salary, full training and you’ll be joining a true Scottish success story as we take the business to a different level, with the added benefit of huge development and career opportunities.

Founded in 2014 and born out of Edinburgh’s vibrant and growing fintech scene, LendingCrowd has driven over £520m in lending to small businesses, including a significant share of lending to businesses in Scotland. LendingCrowd is positioned to become the trusted choice for SME financing, with a culture of ‘doing the right thing’ at our core. We actively encourage the generation and development of ideas from all team members to grow the business. We have an office in the city centre on George Street, so you need to be based within an easy commute to Edinburgh.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

The company's registered office is 50 Lothian Road, Festival Square, Edinburgh, EH3 9WJ.