Business Unit:  Business Banking
Salary range: £60,000 - £ 85,000 per annum
Location:  London & South - Hybrid
Contract type:  Permanent, Full Time

Our Team

Our commitment to business customers goes back generations. Our dedicated Relationship Directors have local knowledge and experience in the SME market and provide financial insight and support to a wide range of different-sized businesses; whether they are looking to invest in their business, protect their business or reduce exposure to risks. We are looking for dynamic people, who are ready to make a real difference to a successful team focused on growth. Providing a truly complete ‘face-to-face’ relationship model, our Strategic Finance Relationship Directors cater for our customers’ every banking need.  And that is where you come in. If you're passionate about providing a tailored, relationship-based service to our Business customers and are willing to do what it takes to ensure our customers are happy, please read on

What you’ll be doing

Role holders are accountable for managing and growing relationships as part of a portfolio, through face-to-face customer interaction, and the provision and management of lending facilities typically between £1m and £15m.  Activities will include:

• Applying financial skillsets and in-depth market knowledge to fulfil the bank’s strategic growth ambitions by seeking to provide new lending to, and attracting deposits from, new and existing customers. 
• Putting the customers’ interests at the heart of all you do, ensuring the maintenance of the team’s reputation for high service levels, limiting attrition and enabling cross sales where appropriate to meet customer needs and ensure the optimisation of income for the bank.
• Supporting customers, including in the day to day running of their organisations, ensuring a detailed understanding, and sharing specific and/or regional market intel and expertise.
• Monitoring and analysing financial data and regularly viewing customer premises and processes to enable an understanding of performance and risk, including identifying signs of stress and taking appropriate actions to protect the customers and the bank.  Ensuring all policies, procedures and FCA banking regulations are adhered to.
• Ensuring the bank’s visibility in the local marketplace including local networking and attendance of events, with the aim of creating business development opportunities, and ensuring market knowledge is kept up to date. 
• Building and capitalising on relationships with professionals across the market and exercising banking experience and skillsets to review and progress workable opportunities.

We need you to have

Business banking experience, strong business acumen, commerciality, and a technical financial skillset to allow you to assess businesses, analyse financial statements and provide innovative financial solutions which enable Virgin Money to attract new customers, retain existing customers, and compete effectively in the market.  This will include:

• The ability to understand financial accounts, cash drivers and other information to identify opportunities and issues in both new to bank opportunities and in the existing customer base, including proposing actions and/or solutions;
• Experience of presenting financial and other business information, including risks and mitigants, within a clear and well structured credit paper
• Knowledge and understanding of the economic environment, and how these factors may influence business performance.
• An ability to be able to effectively build and maintain relationships with management teams and professionals across business networks.  
• A solid understanding of banking financial products and services, and an awareness of risk management practices
• Aptitude for verbally articulating the banks position or decision in often complex scenarios, including the delivery of difficult messages.
• The ability and experience to cope with a complex and high work demand, and multiple and continually challenging situations.

It’s a bonus if you have but not essential 

• A relevant Business Degree or vocational financial services qualification, eg Chartered Banker
• A developed external professional network in the local area
• Experience of working with a broad range of internal contacts and specialists across the organisation

Red Hot Rewards  

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year  

If we’re lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.  

Say hello to Virgin Money 

Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.  

 Be yourself at Virgin Money 

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.    

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit 

We’re in the process of bringing Virgin Money and Nationwide together which, subject to Court approval, will happen on 2 April 2026. You can find out more about what this means at https://uk.virginmoney.com/nationwide-transfer. If you’re successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.

Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK. 

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.