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Lloyds Banking Group

Associate Director – Construction Invoice Finance

Lloyds Banking Group

Associate Director managing a portfolio of Invoice Finance clients within the construction sector. Focusing on risk management, client retention, and income generation strategies.

Posted 7/9/2026full-timeManchester • 🇬🇧 United KingdomSeniorWebsite

About the role

Key responsibilities & impact
  • Accountable for the end ‑ to ‑ end ownership of a portfolio of c. 40 SME Invoice Finance clients.
  • Balancing risk control, client experience, and sustainable income generation.
  • Protect and grow the value of the portfolio by ensuring facilities are well ‑ structured, risks are actively managed.
  • Engage and retain clients, identify issues and additional income opportunities.
  • Optimise income and portfolio value by balancing pricing discipline and identifying incremental opportunities.
  • Ensure effective onboarding and transition from Sales, implementing new business compliantly.
  • Maintain strong relationships across stakeholders, advocating for Invoice Finance.

Requirements

What you’ll need
  • 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 actions.
  • Commercial judgement balanced with 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.
  • Detailed knowledge of the working capital needs of construction clients and the risks associated with funding against contractual type debt.
  • Well-developed stakeholder network within the IF/ABL market.

Benefits

Comp & perks
  • 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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Hard Skills & Tools
Financial AnalysisRisk ManagementPortfolio ManagementClient EngagementOnboarding Processes
Soft Skills
Effective CommunicationInfluencing SkillsCommercial Judgement
Certifications
Full UK Driving Licence