Vice President I - Warehouse Finance Portfolio Management

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 Warehouse Lending (WHL) team sits at the heart of HSBC Innovation Banking’s Structured Finance platform, providing tailored asset-backed debt facilities to high-growth fintechs and non-bank lenders across the UK and Europe.  We’re looking for a commercially astute and technically strong Vice President to support portfolio management.

This role is suitable for a proactive and committed professional who thrives in a fast growing and dynamic environment.  It offers an excellent opportunity to enhance technical expertise, client engagement and deal management skills.  The WHL team has a broad spectrum of skills developed from experience working at IBs, rating agencies, and specialist commercial banks.

The value you’ll add:

The candidate will be a key member of the Warehouse Finance Portfolio Management team, responsible for managing client relationships across an active portfolio of warehouse facilities and leading portfolio actions including amendments, waivers, consents and renewals. The role focuses on protecting and optimising risk-adjusted returns through proactive client engagement, portfolio insight, and effective navigation of internal governance, working closely with Associates who support covenant testing and routine monitoring.

What you can expect to be doing:

Client relationship & portfolio stewardship

• Be the main day-to-day contact for a portfolio of clients, building strong working relationships and ensuring facilities run smoothly from the client perspective (reporting, utilisation, consents and queries)
• Stay close to each client’s objectives, evolving lending strategy, upcoming funding needs and performance, translating this into clear portfolio priorities and actions
• Lead regular performance discussions, balancing commercial outcomes with disciplined risk management, and partner with Relationship Managers to develop and execute Relationship Plans

Amendments, waivers, consents & renewals

• Lead amendments, waivers, consents and renewals end-to-end: agree requests with clients, assess credit and structural impacts, align internal stakeholders, and drive approvals and documentation through to completion
• Find practical solutions to changes in eligibility criteria, concentration limits, advance rates, reporting requirements and triggers. Own internal governance by producing clear, high-quality credit papers with well-reasoned recommendations

Portfolio insight, risk identification & escalation

• Use portfolio data and client engagement to identify early warning signals and emerging risks, assess credit risk at client and portfolio level, and drive mitigation and escalation where required. Provide oversight of covenant and reporting processes, prioritising key issues and stepping in on exceptions, breaches and higher-impact items
• Collate key themes and client updates for portfolio reviews and 2LOD engagement, clearly highlighting what’s working well and what needs attention

Operational partnership

• Liaise with Operations, Legal and internal teams to ensure amendments and ongoing facility requirements operate effectively in practice (drawdowns, reporting flows, booking accuracy and controls). Improve processes, templates and approval packs to reduce turnaround times and keep delivery consistent across the portfolio

Coaching, quality and team contribution

• Coach Associates/Senior Associates on portfolio management, including reporting analysis, compliance processes, amendment assessment and credit paper drafting

Requirements:

• Extensive prior experience in structured finance / warehouse or asset-backed lending, with strong exposure to client-facing portfolio management and credit governance
• Demonstrated ability to lead complex amendment/waiver/renewal processes end-to-end, influencing stakeholders across Credit, Legal and Operations
• Strong credit skills and analytical capability including collateral/portfolio analysis and comfort working with borrowing base and cashflow concepts
• Proven ability to run governance processes with high attention to detail (covenants, reporting, approvals, audit trail)
• Confident communicator who can influence stakeholders across Credit, Legal, Operations, Business Risk and coverage teams
• Strong written skills for credit papers, approvals, and portfolio review materials

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.