Gould has over 14 years of experience in the credit sector and was most recently the chief lending officer at Avamore Capital for six years. There, he helped to develop its credit and operations strategy.
He has also worked in the credit divisions of Barclays and Proplend.
At HTB, Gould will lead the credit operations function within the development finance team. He will work with portfolio management and credit quality assurance while overseeing its processes.
He will report to Neil Leitch, managing director of development finance.
Leitch said: “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. That’s where we’ve built trust and why brokers and developers come back to us.
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“As we continue to grow, it’s important that we protect that strength. We are investing in the depth and capability behind the front end to make sure our service remains consistent as we scale. Philip brings a great deal of experience and a very steady hand. He understands how to build operational strength without adding unnecessary friction. That’s exactly what we need as we evolve.
“He will be a central part of shaping the next phase of the business. We are focused on being the market leader in SME development finance and continuing to raise the bar for delivery. Philip’s appointment helps lay the foundations to support that ambition.”
Gould (pictured) added: “HTB has built a strong reputation by focusing on the detail that really matters. It’s not just the lending itself. It’s how the team supports brokers and developers through the whole project, understands where the risks are, and works collaboratively to get things done. That approach is rare and it’s what drew me to the role.
“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. Those are the areas I’ll be focusing on.
“This is already a high-performing team. My role is to help ensure that as the business grows, the operational side keeps pace and continues to enhance what we deliver to brokers and their clients. I’m looking forward to working with the team and playing a part in what comes next.”
Earlier this month, the firm made improvements to its heavy refurbishment proposition.
