CONSUMER & TECHNOLOGY
Supporting a range of clients in the consumer & technology sector
We're ideally placed to support you in a sector which is heavily impacted by regulatory change and shifts in consumer habits.
Managing Director, Head of Consumer & Technology
Zahra joined us in November 2021 as Managing Director of Consumer and Tech. She is responsible for leading and developing business activity across several sectors including Retail and Consumer Goods, Food, Drink and Leisure, Healthcare, and Telecom, Media and Technology.
Zahra was the Managing Director and Head of EMEA Healthcare at MUFG since 2018. Prior to her sector coverage roles, Zahra spent the majority of her career in Corporate and Leveraged and Acquisition Finance, and has led corporate and sponsor-backed financing transactions, both investment and non-investment grade, for clients across Europe, in her time working for MUFG, HSBC and Deutsche Bank, where she began her career in 2004. Zahra has been based in London and Germany and holds a BA in Modern Languages (French and German) from the University of Oxford.
Lloyds Bank has a substantial history of supporting clients in this sector and we remain committed to helping our customers continue to grow their businesses in a Global market place, developing sustainable long term relationships. We recognise the considerable opportunities for this sector and the integral role it plays in the economy and society. We also understand the challenges as consumer appetites shift and the regulatory and inflationary impacts evolve. We therefore work with our clients throughout all aspects of the Food, Drink & Leisure supply chain, from UK farmers through to restaurants, pubs, travel and entertainment companies, assisting them with their debt financing, risk management and transactional banking needs.
This is an exciting time to be working in the retail sector. Rapid technological change, the growth of internet retail, and changing consumer behaviour are just a few challenges that all retailers must grapple with today. Seasonality and shifting consumer preferences mean that it’s imperative for businesses to manage their working capital effectively. Our team of experts work with clients across the sector and through the whole value chain, wherever they are in the world. Our key clients include supermarkets, department stores, fashion brands and wholesalers. We’ve built up a huge store of knowledge by working with retailers.
The healthcare sector, as has been amply demonstrated throughout the Covid-19 pandemic, is critical to allowing the broader economy to grow and for society to function.
Understanding the needs of an expanding – and ageing – population, global trends in vaccine and drug development and keeping pace with regulatory change are the key to success. Our expert team understands the challenges and opportunities in this sector and can structure, finance and provide risk management solutions for transaction of any level complexity.
The telecoms, media and technology industry is a high-growth sector and important enabler of growth for other businesses.
Greater connectivity, changing media consumption patterns and tech underpinning most aspects of daily life are all having a material global impact. The future market will be shaped by regulatory change, M&A activity and high levels of spending on capital assets and R&D. Our teams are well positioned to help our clients to navigate these challenges.
Our London and New York based teams use their industry expertise to support clients by providing solutions for risk management, financing, working capital and liquidity.
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