Director - Credit Products & Loan Notes

Director - Credit Products & Loan Notes PAYALLY GLOBAL
• London, England, GB

The Role

PAYALLY GLOBAL is looking for an experienced credit and investment professional to join PA INV UK Ltd as a Director and take responsibility for developing its loan note and credit business.

The role covers both sides of the business: working with professional market participants who invest through PA INV UK Ltd loan notes and deploying available capital into suitable credit opportunities.

This is a hands‑on commercial role. We are looking for someone who can originate business, understand and structure credit, speak confidently with professional investors and borrowers, negotiate terms and take responsibility for a transaction from the first discussion through to repayment.

Key responsibilities

• Build and manage relationships with professional investors, family offices and investment businesses.
• Manage PA INV UK Ltd loan note subscriptions, maturities, renewals and repayments.
• Originate financing opportunities across real estate, bridging, trade and invoice finance, working capital, asset-backed lending and other private-credit transactions.
• Assess borrowers, cash flows, repayment sources, security, LTV, project economics and downside risk.
• Structure and negotiate interest, fees, maturity, security, guarantees, covenants and repayment terms.
• Take commercial ownership of transactions from origination through documentation, funding and repayment.
• Manage the existing loan portfolio, identifying credit issues early and handling extensions, restructurings and recoveries where required.
• Manage funding and liquidity, balancing investor capital, borrower deployment, maturities, expected returns and concentration risk.
• Develop new business through investors, borrowers, brokers, advisers and the wider PAYALLY GLOBAL network.
• Work closely with Legal, Compliance, KYC and Finance to ensure transactions meet the required governance framework.

We are looking for a commercially driven private-credit professional who can originate opportunities, assess risk, structure sensible financing solutions and build long‑term relationships.

The successful candidate will become a Director of PA INV UK Ltd and should be comfortable taking ownership of both the funding and lending sides of the business.

The focus is on building a sustainable, profitable and well‑managed credit portfolio, rather than simply maximising lending volume.

Candidate requirements

• Significant practical experience in private credit, corporate lending, structured finance, real estate finance, trade finance, invoice finance/factoring, asset-backed lending, debt investments or alternative investments.
• Strong understanding of credit assessment, deal structuring and private debt instruments, including loan notes.
• Experience working with professional investors, family offices, private credit funds or other sophisticated counter parties is highly desirable.
• Strong financial analysis and credit judgement, including the ability to assess financial statements, cash flow, collateral, corporate structures and repayment capacity.
• Proven ability to identify and evaluate credit risks, security and sources of repayment.
• Commercial and entrepreneurial mindset, with experience originating, structuring and negotiating transactions.
• Confident dealing with experienced investors, borrowers, advisers and other professional counter parties.
• Strong decision‑making and problem‑solving skills, with the judgement to challenge or decline transactions that do not make commercial sense.
• Pragmatic and solutions‑focused, with the ability to structure transactions efficiently without unnecessary complexity.
• Comfortable taking commercial ownership and accountability for transactions from initial opportunity through execution and repayment.

What we offer

The role offers a competitive fixed salary together with a meaningful performance‑based bonus, providing strong upside for successful performance.

The bonus will reflect the overall contribution to the growth and profitability of the business, taking into account factors such as:

• investor capital attracted and retained;
• successful and responsible deployment of capital;
• interest margin and fee income generated;
• overall portfolio profitability and performance;
• repayment and recovery outcomes;
• development of long‑term investor and borrower relationships; and
• portfolio quality and credit performance.

The remuneration structure is designed to reward sustainable, profitable growth and strong long‑term relationships, rather than focusing solely on transaction or origination volumes.

In addition, we offer:

• 25 days' annual leave plus England & Wales bank holidays
• Your birthday off
• A performance-led environment with the opportunity to play a key role in growing the business