Richard is the Managing Director at The British Business Bank and is responsible for the Start Up Loans programme. Previously, he was Head of Small Business for HSBC UK, where he worked for 20 years, bringing with him a wealth of experience working with start-ups and entrepreneurs. At HSBC, he was responsible for setting the strategic direction, growing HSBC UK’s small business customer base and leading a team of Business Specialists, with more than 450 colleagues located across the UK. He also developed HSBC UK’s Direct Business Specialist proposition using a range of telephone and digital tools. In 2018, the business was voted Best Business Banking Provider in the Smart Money People British Bank Awards and Best Online Banking Provider in the Business Moneyfacts Award.