At a Glance
- Tasks: Manage a portfolio of SME Invoice Finance clients and optimise income opportunities.
- Company: Join a leading UK bank committed to diversity and inclusion.
- Benefits: Competitive salary, generous pension, 30 days holiday, and flexible working.
- Other info: Hybrid working model with excellent career growth opportunities.
- Why this job: Make a real impact while developing your career in a supportive environment.
- Qualifications: 3-5 years experience in Invoice Finance and strong analytical skills.
The predicted salary is between 60000 - 80000 € per year.
Location: London
Salary: Competitive Package
Hours: Full‑time
Working Pattern: Hybrid – at least two days per week at an office site.
What You’ll Be Doing
The Associate Director, Invoice Finance (IF) Client Manager is accountable for the end‑to‑end ownership of a portfolio of about 65 SME Invoice Finance clients (businesses with turnover up to £25 million). You will protect and grow the value of this portfolio by ensuring facilities are well‑structured, risks are actively managed, clients are engaged and retained, and opportunities for additional income or broader Lloyds Banking Group solutions are identified and progressed.
- Owning and managing portfolio risk by proactively reviewing financial performance, collateral trends and client behaviour, taking timely action within policy and escalating issues with clear recommendations.
- Building and retaining strong client relationships, acting as the primary relationship owner, setting clear service expectations and using regular engagement, including face‑to‑face visits where appropriate, to identify issues and opportunities early.
- Maintaining strong relationships across BCB and acting as a credible advocate for Invoice Finance internally and externally.
- Optimising income and portfolio value by balancing pricing discipline, full product utilisation and the identification of incremental opportunities and referrals across the business and the wider product suite of LBG.
- Ensuring effective onboarding and transition from Sales, underwriting new business within delegated authority and working closely with stakeholders to ensure compliant implementation from day one.
- Operating with strong governance and judgement, adhering to delegated credit authorities and policies while contributing to continuous improvement in risk and control processes.
Why Join Us
Join us and give us your best and we’ll give you ours. Here, you’ll make a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities – you’ll find them all here.
Our ambition is to be the leading UK business for diversity, equity and inclusion. We support our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.
We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We provide reasonable adjustments throughout the recruitment process and offer flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee a fair interview process for applicants with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme.
What We’re Looking For
- Strong understanding of Invoice Finance / Asset Based Lending products and risk drivers, ideally 3 to 5 years of experience.
- Ability to analyse financial and collateral data and convert insight into clear action, balancing commercial judgement and risk awareness.
- Effective communicator, capable of influencing clients and internal stakeholders.
- Developing sector knowledge relevant to the SME portfolio.
- Full and current UK driving licence.
And any experience of this would be great
- Well‑developed stakeholder network within the IF/ABL market.
Benefits
- A generous pension contribution of up to 15 %.
- An annual performance‑related bonus.
- Benefits you can adapt to your lifestyle, such as discounted shopping.
- 30 days’ holiday, with bank holidays on top.
- A range of wellbeing initiatives and generous parental leave policies.
Associate Director, Invoice Finance Portfolio in London employer: Lloyds Banking Group
At Lloyds Banking Group, we pride ourselves on being an exceptional employer, offering a dynamic work environment in London that fosters professional growth and inclusivity. With a competitive salary package, generous benefits including a 15% pension contribution and 30 days of holiday, as well as a commitment to diversity and employee wellbeing, we empower our team members to thrive both personally and professionally. Join us to make a meaningful impact while enjoying the flexibility of hybrid working and a supportive culture that values your unique contributions.
StudySmarter Expert Advice🤫
We think this is how you could land Associate Director, Invoice Finance Portfolio in London
✨Tip Number 1
Network like a pro! Get out there and connect with people in the Invoice Finance sector. Attend industry events, join relevant LinkedIn groups, and don’t be shy about reaching out to potential contacts. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for those interviews! Research the company and its culture, especially their approach to diversity and inclusion. Be ready to discuss how your experience aligns with their values and the specific requirements of the Associate Director role.
✨Tip Number 3
Showcase your expertise! Bring examples of how you've successfully managed client portfolios or mitigated risks in the past. Use real numbers and outcomes to demonstrate your impact – this will make you stand out as a candidate who can deliver results.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our brand. Let’s get you that dream job together!
We think you need these skills to ace Associate Director, Invoice Finance Portfolio in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Associate Director, Invoice Finance Portfolio. Highlight your experience with SME clients and any relevant skills in risk management and client relationship building. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about Invoice Finance and how your background aligns with our goals. Be sure to mention specific achievements that demonstrate your ability to manage portfolios effectively.
Showcase Your Communication Skills:As an Associate Director, you'll need to influence both clients and internal stakeholders. In your application, give examples of how you've successfully communicated complex ideas or resolved conflicts in the past. We love seeing strong communicators!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it’s super easy to do!
How to prepare for a job interview at Lloyds Banking Group
✨Know Your Invoice Finance Inside Out
Make sure you brush up on your knowledge of Invoice Finance and Asset Based Lending products. Understand the key risk drivers and be ready to discuss how you've managed similar portfolios in the past. This will show that you're not just familiar with the concepts, but that you can apply them effectively.
✨Showcase Your Analytical Skills
Prepare to demonstrate your ability to analyse financial and collateral data. Think of specific examples where you've turned insights into actionable strategies. Being able to articulate how you balance commercial judgement with risk awareness will set you apart from other candidates.
✨Build Rapport with Your Interviewers
Remember, this role is all about client relationships. Practice your communication skills and think about how you can influence and engage with your interviewers. Use their names, maintain eye contact, and show genuine interest in their questions to create a connection.
✨Prepare for Scenario-Based Questions
Expect to face scenario-based questions that assess your decision-making and problem-solving abilities. Think through potential challenges you might encounter in managing a portfolio and how you would address them. This will demonstrate your proactive approach and readiness for the role.
