HSBC Innovation Banking
Associate I - Warehouse Finance Fintech
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Associate I - Warehouse Finance Fintech
HSBC Innovation Banking: A Catalyst for the Future
Who is HSBC Innovation Banking?
At HSBC Innovation Banking, we empowerforward-thinkers, future-makers, and leap-takers, providing flexible banking solutions tailored to:
- Start-ups and scale-ups
- Growth businesses
- Investors
- Companies preparing for IPO
Our focus lies within the technology and life sciences sectors. Whether it’s comprehensive banking, cash flow management, buyout strategies, or Strategic Fund Solutions, we power ideas at every stage of their growth. From brilliant founders to influential funds and all points in between, we’re proud to accelerate growth, foster meaningful connections, and open doors to a world of global opportunity.
Our mission: Never stand still.
The Role: Associate in Warehouse Lending (WHL) Team
The Warehouse Lending (WHL) team is at the core of HSBC Innovation Banking’s Structured Finance Platform, specializing in 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 Associate who will thrive in a fast-growing, dynamic environment, supporting both portfolio management and deal execution. This role is ideal for a proactive professional with a passion for expanding expertise in client engagement, deal management, and technical rigour.
Our team combines a spectrum of skills honed from roles at investment banks, rating agencies, and specialist commercial banks.
What You’ll Bring to the Table: Your Value
This hybrid role bridges portfolio management and transaction execution within WHL. Your responsibilities will include:
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- Maintaining key portfolio processes for asset-backed loans, including:
- Handling amendment/waiver request analysis
- Credit renewal tracking
- Coordinating transaction updates and audit responses
- Monitoring financial performance through company/portfolio reports, tools, bank accounts, and internal systems across assets, lifecycles, and geographies.
- Supporting deal leads in credit processes for existing deals, including:
- Conducting analyses/research
- Drafting credit memorandums
- Coordinating internal communications
- Ensuring accurate and timelier operations by collaborating with operations, the deal team, and clients to facilitate:
- Drawdown coordination
- Payment management
- Monthly financial reporting
- Assisting in periodic portfolio reviews, including:
- Analysis preparation
- Presentation materials creation
- Improving operational efficiency by helping develop and implement:
- Policies
- Operating procedures Work with operations, process enablement, business risk, and senior credit officers.
- Supporting transaction execution both for existing clients and new prospects by:
- Leading due diligence
- Coordinating cross-client/lender/internal processes.
- Assisting in illiquidity resolution, including:
- Structuring
- Underwriting
- Closing warehouse facilities by collaborating on:
- Credit documentation development
- Cash flow modeling
- Collateral analysis, term sheets
- Financial model development
- Deal structuring
What We Require
- Experience in structured finance from backgrounds such as:
- Investment/commercial banks
- Asset managers
- Rating agencies
- Specialist lenders (a plus).
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Interest in the technology sector and an understanding of venture capital / private equity transactions.
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Portfolio management skills to ensure optimal risk detection and portfolio safeguarding.
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A solid grasp of credit risk metrics and analytical methodologies.
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Flexibility and adaptability to thrive independently and as a collaborative team member in a fast-paced environment.
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Strong organizational ability, with proven success in managing competing priorities.
Office Location
We operate from our home office at Finsbury Square, London, with a commitment to hybrid flexibility. As our office presence evolves, the current requirement is two days per week in-office, while the remaining three days are conducted remotely.
We Create Inclusion in These Ways
At HSBC, we believe everyone deserves an inclusive workplace. Our culture empowers individuals regardless of:
- Gender
- Ethnicity
- Disability
- Religion
- Sexual orientation
- Socio-economic background
- Age
We live by our commitment to remove barriers and create an environment where everyone can achieve their best.
As a Disability Confident Leader, we are dedicated to tackling workplace inequality. If you are a candidate with a disability, long-term condition, or neurodivergent background and meet the minimum criteria for the role, you are eligible for an interview.
Accommodations Must Be Requested. To arrange support:
- Reach out to our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.
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