HSBC
Associate I - Warehouse Finance Fintech
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Associate I - Warehouse Finance Fintech
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 bold ideas that reshape our world. We offer flexible banking solutions for:
- Start-ups
- Scale-ups
- Growth businesses
- Investors
- Those working towards IPO
Typically within the technology and life science sectors.
Whether it’s comprehensive banking, managing cash flow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From first-time founders to funds that back them, and everything in between.
We're proud to:
- Accelerate growth for our clients
- Create meaningful connections and communities
- 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 are looking for a commercially astute and technically strong Associate to support both portfolio management and deal execution.
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
- Deal management skills
The WHL team has a broad spectrum of skills developed from experience working at investment banks, rating agencies, and specialist commercial banks.
The value you’ll add:
This is a role spanning both portfolio management and transaction execution within WHL. You will:
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- Take responsibility for key portfolio processes
- Support deal qualification, structuring, and execution for existing clients and new opportunities.
The role is client-facing and requires strong stakeholder management, involving:
- Effective coordination with internal stakeholders (including operations)
- Liaising with clients or prospects on transaction deliverables before, during, and after execution.
What you can expect to be doing:
Portfolio Management:
-
Support day-to-day portfolio management activities, including:
- Amendment/waiver request analysis
- Credit renewal tracking
- Coordinating transaction updates and audit responses.
-
Monitor financial and asset-level reporting across:
- Asset classes
- Life stages
- Geographies Using:
- Company reporting
- Portfolio tools
- Bank accounts
- Internal systems.
-
For existing deals, support deal leads through the internal credit process by:
- Conducting analysis/research
- Drafting credit memorandums
- Coordinating internal communications.
-
Liaise with operations, the deal team, and clients to ensure:
- Accurate, timely drawdowns, payments, and monthly reporting.
-
Help prepare periodic portfolio reviews, including:
- Analysis
- Presentation materials.
-
Support the development and rollout of policies and operating procedures, working with:
- Operations
- Process enablement
- Business risk
- Senior credit officers
Transaction Execution:
-
Support transaction execution activities for both existing clients and new prospects, including:
- Due diligence
- Coordinating processes with clients, other lenders, and internal/external partners.
-
Support the structuring, underwriting, and closing of warehouse facilities by:
- Supporting the creation of credit papers
- Cashflow modelling
- Collateral analysis
- Term sheets
- Financial models
- Deal structures
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Requirements:
- Structured finance experience from:
- Investment or commercial banks
- Specialised lenders
- Asset managers
- Rating agencies (is a plus)
- A keen interest in:
- The technology sector
- Venture capital / private equity transactions
- Ability and understanding of effective portfolio management
- Solid understanding of credit risk
- Comfortable working collaboratively and independently in a fast-paced environment
- Proven ability to:
- Manage multiple competing priorities
- Strong organisation and time management
Where you’ll be based:
Our home office in Finsbury Square, London.
We offer:
- Hybrid working to our employees, giving you flexibility to:
- Work from home or the office
- Current requirement: 2 days per week in the office
At HSBC, we are dedicated to creating diverse and inclusive workplaces. We believe everyone should feel represented and have equal opportunities regardless of gender, ethnicity, disability, religion, sexual orientation, socio-economic background, or age.
Committed to removing barriers, we:
- Are a Disability Confident Leader
- Guarantee an interview for people with disabilities, long-term conditions, or neurodivergent candidates who meet the minimum criteria of the role.
If you require accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.
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