Emma Stephens

Questioner
DISC Type : c

Chief Risk Officer (CRO) at HSBC Innovation Banking

London, England, United Kingdom

Overview

Emma Stephens is the Chief Risk Officer at HSBC Innovation Banking UK, bringing over twenty-five years of experience in finance. Her career is distinguished by a focus on the technology and innovation sectors, with deep expertise in venture, leveraged, and corporate lending. She holds a BSc in International Management with Modern Languages (French) from the University of Bath.

Her extensive career has seen her lead structured finance teams and manage significant loan portfolios, holding key positions such as Head of Credit and Head of Leveraged Lending before becoming CRO.

Personality Overview

Value Seeker

Cautious & Analytical

Systematic

It is quite likely of them to ask for pricing or other concessions.  While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters. They prefer to do thorough analysis of any situation.

Topics They Care About

Innovation Economy Finance
Has over 25 years of experience lending to and managing risk for companies in the tech and innovation sectors, from venture-backed startups to corporate clients.
Credit Risk Management
As the current CRO and former Head of Credit, she is responsible for the credit risk management of HSBC Innovation Banking UK's entire loan book.
Venture & Growth Lending
Her background is deeply rooted in providing debt solutions to venture and growth stage companies, a core focus of her career.

Media Appearances

Emma Stephens | HSBC Innovation Banking. Featured in HSBC Innovation Banking – Leadership Page

See Now

Work History

1-2025
Chief Risk Officer (CRO) at HSBC Innovation Banking
1-2024 - 3-2025
Head of Credit HSBC Innovation Banking UK at HSBC Innovation Banking
7-2019 - 12-2023
Senior Credit Officer - Venture & Growth, Lev Fin and CorpFin EMEA at HSBC Innovation Banking
11-2015 - 7-2019
Managing Director and Head of Leveraged Finance EMEA at HSBC Innovation Banking
8-2011 - 11-2015
Head of Technology, Corporate Banking UK at Bank of Ireland

Education

BSc International Management with Modern Languages (French) from University of Bath

More Information

Social Presence :

Prographics :

Exp : 26 Location : London, England, United Kingdom Job Level : Leadership Designation : Chief Risk Officer (CRO) at HSBC Innovation Banking
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Insights For Selling To Emma

During A Call Or A Meeting

DO's

  • Emphasise more on facts and measurable benefits
  • Back up any claims with data and numbers
  • If you have a lower priced product compared to the competition, call out the same

DONT's

  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Don’t overhype the product/pitch, keep it measured
  • Avoid rushing them, be polite and patient

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Emma is

  • Ensuring that the product delivers ROI, cost-effective pricing and process compliance are very important for them.
  • Will you ever get a clear answer from Emma

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Emma move?

  • If they have the information that they need, they can move fast at making their decisions.
  • Can Emma take some risk or not?

  • They can take some risk if they are confident that they have analyzed the circumstances well.


You And Emma

Personality Compatibility


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