Head of SME Lending, Centre of Excellence
On-site · Birmingham, England, United Kingdom
Job Summary
Lead HSBC's SME Lending Centre of Excellence in the UK, directing a dedicated team to deliver client performance against plan while managing risk and driving growth. Build relationships with key decision-makers, coordinate origination and execution across HSBC products, combine relationship management with robust credit and risk assessment to ensure credit quality and returns, grow revenues across an allocated portfolio, explore new distribution channels and partnerships, and drive innovation in SME lending including AI-enabled decisioning to improve speed, customer experience and operational efficiency. Establish best practices for credit, underwriting, portfolio management, proposition development and delivery, enabling more SMEs with fast, flexible access to finance.
Required Qualifications
- In-depth knowledge and experience of credit, lending and risk
- Strong knowledge of the UK SME market, including how geopolitics and macroeconomic conditions influence commercial outcomes
- Proven experience driving team and individual performance to achieve customer and financial targets
- Excellent interpersonal, presentation and communication skills
- Comfortable operating in ambiguity and pace—able to make prompt, practical decisions and take accountability for outcomes
- Strong commercial acumen: able to understand customers’ businesses and priorities and engage at all levels
- A change mindset: experience improving processes, customer journeys or operating models; familiarity with data/AI-enabled decisioning is an advantage
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