Contact information

Richard Davies
SME Fintech Investor & Commercial Banking Director


Senior FS executive. Passionate about leading growth through client centric technology & business model innovation, with a focus on helping SMEs thrive. Interested in digital identity & open banking (APIs). Startup Bootcamp mentor.
First 6 years of career were in strategy design and implementation, initially at LEK Consulting, then in house at Lloyds & Barclays. 
Subsequently moved to run the front office divisions in Barclays covering SMEs in South East (2008-2010) & then as MD for global corporates across the UK (2010-2013).
In 2013, headhunted to lead new SME challenger bank OakNorth's entry into the UK banking market. After successfully leading first phase of building proposition & business plan, hiring executive team, risk systems / product set / operating model design, and regulatory licence submission, I decided to join HSBC as COO for the UK Commercial Bank.
UK COO role covered broad range of responsibilities for $2bn PBT Commercial division of HSBC: business strategy & change activity, digital run & transformation, major regulatory change programmes (e.g. Ringfencing, CMA), first line risk management, lending products (including HSBC Equipment Finance division), and operations. In 2016 focused fully on digital transformation with a global remit, as Global Head of Propositions and Digital Development for the Commercial Bank, utilising a design led, agile approach. 
Recently joined TSB Executive Committee to lead build of future of SME banking.