Portfolio Director Invoice Finance and ABL - South

Portfolio Director Invoice Finance and ABL - South

Hours:

Permanent role. 35 hours. Hybrid working. You will be required to attend our Bracknell and Birmingham offices each week and will be expected to visit our Head Office in Skipton every quarter. Closing Date:
Fri, 16 Jan 2026. Skipton Business Finance is delighted to announce a fantastic leadership opportunity for the position of Portfolio Director – Invoice Finance and Asset-Based Lending (South). This is a pivotal role that will shape the strategic direction of our Southern region across both IF and ABL, supporting and growing our existing portfolio while helping to support new business to achieve ambitious growth targets.

As Portfolio Director, you will play a key role in influencing and defining the future of our business. We are seeking a leader who brings experience in both Invoice Finance and ABL lending - someone visionary, inspiring, and passionate about driving growth and delivering excellence.

Skipton Business Finance, part of the Skipton Group, has been helping UK SMEs fulfil their aspirations for over 20 years by providing working capital solutions that support their ambitious growth plans. With a rich history rooted in reliability and innovation, we leverage our expertise to offer a diverse range of financial products, including Invoice Finance and Asset Based Lending. Our commitment to understanding the unique needs of each client enables us as a team to deliver personalised and responsive services, fostering long-term partnerships built on trust and mutual success.

At Skipton Business Finance, we strive to be more than just a financial provider. We aim to be a strategic partner, guiding businesses towards sustainable growth and prosperity. Join our team as we navigate the dynamic landscape of business finance together.

• 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.

• 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 Risk factor or similar systems, plus awareness of cybersecurity and data protection.
• Legal and technical skillset in ABL, including insolvency processes and Management Buy Out/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.

• Competitive discretionary bonus scheme
• Car allowance
• 25 days standard annual leave + bank holidays + rising 1 day per year of service…