Job Title and Details
Associate Director, Invoice Finance Portfolio
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.
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