Associate Director, Invoice Finance Portfolio in Westminster

The Associate Director, Invoice Finance (IF) Client Manager is accountable for the end-to-end ownership of a portfolio of c.65 SME Invoice Finance clients, that is businesses with turnover up to £25m, balancing risk control, client experience, and sustainable income generation. You will be joining a successful portfolio team covering London & East England. The role exists to protect and grow the value of the 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.

Responsibilities

• Own and manage portfolio risk by proactively reviewing financial performance, collateral trends and client behaviour, taking timely action within policy and escalating issues with clear recommendations.
• Build and retain strong client relationships, acting as the primary relationship owner, setting clear service expectations and using regular engagement, including face-to-face client visits where appropriate, to identify issues and opportunities early. Also maintain strong relationships across BCB and act as a credible advocate for Invoice Finance internally and externally.
• Optimise income and portfolio value by balancing pricing discipline, full product utilisation and identifying incremental opportunities and referrals across the business and the wider product suite of LBG.
• Ensure effective onboarding and transition from Sales, underwrite new business within delegated authority and work closely with stakeholders to ensure compliant implementation from day one.
• Operate with strong governance and judgement, adhering to delegated credit authorities and policies while contributing to continuous improvement in risk and control processes.

Qualifications

• Strong understanding of Invoice Finance / Asset Based Lending products and risk drivers, with ideally 3 to 5 years of experience.
• Ability to analyse financial and collateral data and convert insight into clear actions, 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.
• Well-developed stakeholder network within the IF/ABL market (optional).

Working pattern

Hybrid working, spending at least two days per week, or 40% of time, at one of our office sites. Colleagues with disabilities can be supported with workplace adjustments, including hybrid working expectations in line with our Flexibility Works policy.

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

Equal Opportunity

We offer a wide-ranging benefits package and are committed to building a workforce that reflects the diversity of the customers and communities we serve. We provide reasonable workplace adjustments for colleagues with disabilities, and we are a Disability Confident Leader, guaranteeing interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We offer reasonable adjustments throughout the recruitment process to reduce or remove barriers. We also support gender equality, equal pay and remain compliant with the Equality Act.