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. Were 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 Warehouse Finance team sits at the heart of HSBC Innovation Banking's Structured Finance platform, providing tailored asset backed debt facilities to high growth fintech and non:bank lenders across the UK and Europe. We're looking for a commercially astute and technically strong Senior VP to join our team, with a focus on originating, structuring and execution of complex warehouse facilities for our existing clients
The value you'll add:
This is a role suited to someone who can bring deep technical expertise, sound judgement, and a collaborative approach to underwriting and executing bespoke funding solutions for innovative, fast:paced clients. You'll be part of high:performing, dynamic and entrepreneurial team that values initiative, precision, and collaboration : and can make a real impact on how we grow and evolve the Warehouse Finance business for the future.
What you can expect to be doing:
Own the structuring, underwriting and negotiation of warehouse transactions, being responsible for end to end deal management through:
a) origination
b) deal qualification and analysis
c) structuring and pricing
d) credit approval preparation
e) term sheet preparation and negotiation
f) evaluation of all credit, legal, structural and risk issues
g) review and negotiate all loan and transactional documentation, interfacing with counsel and clients and
h) post execution management
Build cashflow models and perform portfolio analysis
Ensure proper and timely completion of all internal booking and operational requirements
Interface and negotiate with legal advisors, third party providers, rating agencies etc.
Key point of contact for prospects and clients
Act as a senior face of HSBC Innovation Banking in the structure finance and Fintech ecosystem, representing the bank at select industry events and client pitches
Coach and mentor Associates and VPs, supporting their development in areas such as credit structuring, modelling and client management
Requirements:
Bachelor's degree in a quantitative or finance:related field. CFA or similar accreditation desirable
Structured finance experience from investment or commercial banks, specialised lenders, asset managers or rating agencies
Familiarity with due diligence processes, legal frameworks and risk governance in a regulated banking environment
Strong track record in structuring, negotiating and closing complex asset backed facilities across various collateral types (e.g. consumer loans, credit cards, invoice finance, real estate)
Skilled at financial modelling (must be highly proficient in loss coverage multiple analysis)
Adept at balancing commercial drivers with sound credit judgement and internal policy
A collaborative approach, balanced with the ability to work autonomously
Skilled in communicating complex ideas with clarity and confidence, both in written materials and client discussions
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, w