Job Description

Who is HSBC Innovation Banking?

HSBC Innovation Banking is the power behind the UK’s forward-thinkers, future-makers, and leap-takers, helping them ignite the bold ideas that reshape our world. We offer flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO typically within the technology and life science sectors.

Whether it’s comprehensive banking, managing cashflow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From the first-time founders to the funds that back them, and everything in between. We're proud to accelerate growth for our clients, create meaningful connections and communities, and open a world of global opportunity for entrepreneurs and investors alike.

Here’s to never standing still. Come and join us!

The team you’ll work with:

The Debt Finance team is responsible for managing and developing credit relationships with clients and prospects. The team leads the deal structuring and due diligence process partnering with the Global Relationship Management Team on the delivery and negotiation of lending solutions and is responsible for proactive, robust loan portfolio management including maintaining credit quality.

The Venture & Growth Debt Finance team supports exciting, high-growth, Venture Capital backed private businesses across a broad range of sub-sectors and life-stages—from early-stage seed deals through to high-profile, late-stage companies pre-IPO or pre-acquisition or approaching consistent profitability. The team delivers across the spectrum of HINV’s debt financing solutions, including venture debt, late-stage growth capital, working capital, and recurring revenue facilities. This role is within our Enterprise AI and Software sector, a high volume debt transaction team with a large and growing loan portfolio.

The value you’ll add:

As a Director, you’ll work closely with the Enterprise AI & Software Debt Finance sector head to drive people leadership, strategic direction, and the credit risk profile of the sector.

You’ll play a hands-on role in due diligence and deal structuring, leading the most complex and high-impact transactions while providing guidance and oversight to Vice Presidents on deals and situations they lead. You’ll partner closely with internal stakeholders to deliver and negotiate credit solutions, manage a range of client relationships, and own the underwriting, approval and legal closing process. You’ll also drive proactive portfolio management, maintaining credit quality and delivering profitability targets for the sector.

You’ll develop and deliver insights and points of view on loan types and credit/performance trends across relevant sector and sub-sectors, acting as a trusted subject matter expert for sound judgement and risk assessment in the Enterprise AI & Software portfolio.

What you can expect to be doing:

• Work with high-growth, innovative Enterprise AI & Software businesses
• Lead the due diligence and deal structuring process for most complex transactions, while also overseeing the structuring, underwriting and closing of credit/debt solutions across the broader team
• Overseeing portfolio management, including resource allocation, maintaining credit quality and profitability targets, and direct engagement in higher-risk or complex situations
• Strengthening strategic relationships with key executives and influencers across clients, prospects and the broader ecosystem
• Coaching and developing a team of Vice Presidents and Associates—managing workload, building capability, supporting career development, and retaining top talent
• Staying close to market, sector and competitive trends, developing and sharing insights on loan types and credit/performance trends, and identifying opportunities to innovate our solutions
• Building and maintaining strong alignment amongst Global Relationship Management and Credit Administration for approaches to credit within life/revenue stages and software-based subsectors

Requirements:

• Experience structuring debt solutions for commercial or corporate clients; venture debt experience strongly preferred
• Experience in the technology sector, ideally supporting venture-backed firms (Enterprise AI & Software experience a plus)
• Strong capability in proactively managing a large, complex portfolio of existing borrowing relationships
• Demonstrated and proven credit acumen and ability to build trusted relationships with credit partners
• Highly skilled at loan structuring, negotiating, closing and handling the most complex financing solutions to meet client needs
• Experience in legal documentation negotiations and closing processes
• Able to proactively manage stakeholders and business partners
• Development and management of talent – proven ability to coach and develop Vice Presidents and Associates
• AI-based enablement and tooling skills to enhance daily workflows and drive timeline efficiencies
• Relationship building and stakeholder management

Where you’ll be based:

Our home office in Finsbury Square, London. We offer hybrid working to our employees, so you can flex between home and the office, with a current requirement to be in the office 2 days per week

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, socio-economic background or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.