Payments - EMEA Structured Working Capital Sales - Executive Director (Madrid)

As an Executive Director within the Structured Working Capital Sales team, you will lead the origination, sales, structuring, and execution of asset-backed and working capital solutions for corporate, financial institution, and fintech clients. Partnering with senior executives, you will deliver tailored financing solutions across receivables finance, inventory finance, warehouse lending, borrowing base facilities, and other structured products to optimize clients' liquidity and working capital objectives.

You will drive regional business growth by developing strategic client relationships, originating new opportunities, and leading transactions from ideation through execution. Leveraging deep structured finance expertise, you will ensure disciplined growth while maintaining a strong focus on risk management and governance.

Working closely with Corporate Banking, Trade Sales, Payments, Investment Banking, Markets, Credit Risk, Legal, and Operations, you will serve as the lead advisor on complex transactions, delivering innovative solutions that strengthen client relationships and support business growth.

Job Responsibilities

• Lead the origination, sales, and regional development of Structured Working Capital opportunities across corporate, sponsor-backed, fintech, and platform clients.
• Develop and execute growth strategies to expand market penetration, deepen existing client relationships, and drive new business across targeted sectors and geographies.
• Serve as the primary client-facing advisor, building relationships with CFOs, Treasurers, fintech executives, and key decision-makers.
• Structure, negotiate, and execute sophisticated working capital and asset-backed financing solutions, including receivables finance, inventory finance, warehouse lending, borrowing base facilities, contract monetization, prepayments, and securitization-adjacent structures.
• Partner with Trade Sales and Banking Coverage teams to identify opportunities and deliver customized off-balance-sheet and balance-sheet-efficient financing solutions.
• Act as "Deal Team Captain" for complex transactions, coordinating Credit, Risk, Legal, Product, Operations, and Banking partners throughout execution.
• Lead financial and collateral analysis, including cash flow modeling, stress testing, portfolio performance analytics, and underwriting support.
• Prepare and present transaction recommendations, credit approval materials, and client proposals to senior stakeholders.
• Maintain deep market intelligence on competitive dynamics, regulatory developments, accounting considerations, capital markets trends, and emerging structured finance opportunities.
• Ensure all transactions adhere to firm risk appetite, governance standards, regulatory requirements, and control frameworks.
• Collaborate across Payments, Corporate Banking, Investment Banking, Markets, and other product partners to deliver integrated client solutions.

Required qualifications, skills and capabilities

• Significant experience in structured finance, structured working capital, asset-based lending, trade finance, specialty finance, corporate banking, or related disciplines.
• Demonstrated experience in origination, client coverage, relationship management, sales, structuring, and execution of complex working capital and asset-backed financing transactions.
• Strong knowledge of structured receivables finance, inventory finance, warehouse facilities, borrowing base structures, securitizations, and alternative financing solutions.
• Proven ability to independently source opportunities, develop strategic client relationships, build regional pipelines, and close transactions.
• Deep understanding of corporate finance, credit risk, collateral structures, legal documentation, and transaction governance.
• Strong leadership, negotiation, and executive communication skills with the ability to influence senior internal and external stakeholders.
• Experience partnering effectively across Credit, Risk, Legal, Product, Operations, Banking Coverage, and Control functions.

Preferred qualifications, skills and capabilities

• Experience covering multinational corporations, financial institutions, fintech lenders, marketplaces, payment platforms, or embedded finance providers.
• Strong understanding of collateral performance analytics, securitization structures, and portfolio risk management.
• Established network of senior client relationships within the working capital, trade finance, and structured finance ecosystem.
• MBA, CFA, or other relevant advanced qualifications.