Vice President, Credit Solutions - Innovation Banking

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities and the planet we all share.

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

Ready to shape debt solutions for high-growth technology innovators?

Why HSBC

HSBC is one of the largest banking and financial services organizations in the world. Guided by our purpose of opening up a world of opportunity, our ambition is to become the world’s most trusted bank globally, putting customers at the heart of everything we do.

The Opportunity

HSBC Innovation Banking provides debt solutions to early stage, high growth and public companies across healthcare, life sciences and technology. This Vice President role sits within a lean team and plays a key part in how we diligence, structure and manage debt transactions across the Innovation Banking portfolio. You’ll partner closely with clients and internal stakeholders and present clear portfolio and performance insights to senior credit approvers. The focus is on disciplined underwriting, thoughtful structuring and active portfolio oversight that protects credit quality while supporting client growth. Success means progressing transactions with rigor and pace, maintaining strong client relationships and keeping the portfolio well managed and well understood.

What you'll be doing

• Build and maintain relationships with debt clients and prospects
• Own the due diligence process across new and existing opportunities
• Shape deal structures and underwriting materials for debt transactions
• Establish a portfolio management framework with timely performance reviews for senior credit approvers
• Manage proactive portfolio activity to support credit quality and profitability targets
• Monitor market and sector trends and build product and sub-sector knowledge
• Coach and mentor team members as part of day-to-day execution
• Develop a firm understanding of HSBC’s banking products and markets

What we're looking for

• Bring extensive debt underwriting experience with healthcare, life sciences and technology companies ideally within a venture debt lender or fund environment
• Evaluate business models financial statements competitive landscapes and key performance indicators
• Assess credit risks across an existing portfolio including covenant compliance rating changes and ongoing financial performance
• Interpret technology trends and apply a strong understanding of the start-up and VC ecosystem to credit decisioning
• Partner effectively with clients and internal stakeholders while balancing multiple priorities
• Negotiate commercial and credit terms alongside legal counsel
• Communicate clearly in writing and in discussions with internal partners and senior credit approvers
• Use Excel confidently and work with databases such as Pitchbook or Crunchbase

Building Innovation Banking credit solutions

This role offers the chance to work at the heart of HSBC Innovation Banking’s debt platform supporting companies shaping the future of healthcare, life sciences and technology. You’ll influence outcomes from diligence and structuring through to portfolio management and senior credit engagement. The work is hands-on and close to clients with a clear line of sight to credit decisions and portfolio performance. If you want to help deliver well-structured debt solutions while keeping credit standards high, we’d welcome your application.

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!

Your final fixed pay offer will depend on the candidate and several variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.