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 up-to-date fintech providers.
Department Description
The Modelling team sits within the Credit Portfolio Management (CPM) function and develops the measurement and decisioning capabilities that support Allica’s lending products. The team builds and owns the bank’s IFRS9 model estate, including PD, LGD, SICR and economic response models, as well as the statistical and machine learning models, credit policy rules and credit-linked GenAI solutions used to support and automate lending decisions.

Role Description
This role will be part of the team building, implementing, monitoring and optimising the models and policy rules behind automated lending decisions.



These capabilities are critical to delivering rapid, consistent and well-controlled credit decisions, improving the customer journey and managing credit risk as the bank grows.

The role requires the technical ability and practical mindset to take models and decisioning changes from initial problem definition through data identification, preparation and analysis to model development, implementation and ongoing monitoring. The successful candidate will be comfortable moving between structured model development and fast-paced ad-hoc analysis, working closely with Credit Risk, Underwriting, Product, Data, Engineering and Model Risk colleagues. They will communicate complex findings clearly to stakeholders with different levels of technical expertise and work with third-party suppliers where required. We are looking for a hands-on modeller who can turn data into reliable, scalable decisioning solutions and continuously improve

📌 Analyst, Lending Models (Delhi)
🏢 Allica Bank
📍 Delhi