Gould joins from Avamore Capital where he was chief lending officer overseeing strategy and decisions on complex development deals.

He has more than 14 years of credit experience including previous roles at peer-to-peer provider Proplend and before that at Barclays.

In his new position at HTB, Gould will work closely with portfolio management and credit quality assurance, to deliver finance for SME developers and their brokers. 

He will report directly to Neil Leitch, managing director of development finance.

Leitch says: “We’ve built a team that really understands what SME developers need from their lender. 

“It’s never just about providing capital. 

“It’s about being dependable, staying involved throughout the journey, and helping to keep things on track when the unexpected happens.

“Philip brings a great deal of experience and a very steady hand. 

“He understands how to build operational strength without adding unnecessary friction.”

Gould says: “HTB has built a strong reputation by focusing on the detail that really matters.

“I’ve worked across a range of lenders and what always stands out in the best operations teams is their ability to support growth without compromising quality. 

“Strong processes, clear communication, and mutual respect across functions are what make that possible.”