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Skipton Building Society · 3 weeks ago

Portfolio Director Invoice Finance and ABL - South

Birmingham - SBF

Full-time

Hybrid

Lead/Staff

Skipton Business Finance is part of the Skipton Group, providing working capital solutions to UK SMEs for over 20 years. The Portfolio Director will lead operations in the Southern region, oversee client portfolios, and drive strategic growth while ensuring compliance and risk management.

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Responsibilities

Lead Southern Operations: Create a collaborative, high-performing culture and deliver service excellence across Invoice Finance and ABL portfolios

Drive Strategy & Growth: Execute operational strategies aligned with business objectives and support new business origination

Risk & Compliance: Oversee risk assessment, credit policy adherence, and regulatory compliance (FCA, GDPR)

Underwriting & Credit: Underwrite complex IF and ABL facilities up to £20m, ensuring robust credit decisions. Manage the regional process for Annual Review and Security Reviews for all clients

Portfolio Oversight: Monitor client performance, manage escalations, and ensure early identification of risk

Stakeholder Engagement: Collaborate with Sales, Credit, ExCo, and external partners to deliver seamless client journeys

Leadership & Development: Inspire and develop your team and support the COO to embed a culture of ownership, accountability, teamwork, and service excellence. Driving consistency across North and South regions, ensuring a one-business approach

Qualification

Senior leadership experienceUnderwriting complex transactionsTechnical knowledge of invoice financeRegulatory frameworksRiskfactorBritish Business Bank scheme experienceStakeholder management skillsCommercial mindsetResilience under pressureCustomer focus

Required

Extensive senior leadership experience in Invoice Finance and Asset-Based Lending

Proven expertise in underwriting and structuring complex ABL transactions up to £20m, including drafting credit approval papers with financial covenants and borrowing base criteria

Deep technical knowledge of invoice finance processes, debtor management, collateral valuation, and recovery procedures

Strong understanding of UK regulatory frameworks, compliance standards, and risk management principles

Financial acumen to interpret and challenge cash flow forecasts at entity and group level

Experience with Riskfactor or similar systems, plus awareness of cybersecurity and data protection

Legal and technical skillset in ABL, including insolvency processes and Management Buy Out/Buy In structures

British Business Bank scheme experience including but not limited to term loans, IF variant and the ABL variant

Excellent stakeholder management and communication skills, with the ability to influence at all levels

Commercial mindset and customer focus, combined with resilience and sound judgment under pressure

Benefits

Competitive discretionary bonus scheme

Car allowance

25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days

Holiday trading scheme allowing the ability to buy and sell additional annual leave days

Matching employer pension contribution (up to 10% per annum)

Colleague mortgage (conditions apply)

Salary sacrifice scheme for hybrid & electric car

A commitment to training and development

Private medical insurance for all our colleagues

3 paid volunteering days per annum

Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups

We care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership