DF Capital Bank
Manchester, Lancashire
We're DF Capital - a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses. Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions. We help our customers realise their ambitions by doing things differently - combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it's flexible lending structures or straightforward savings options, we focus on what matters most to our customers. In 2025, we launched DF Capital Retail Finance - a subsidiary of DF Capital Bank Limited - to offer specialist hire purchase solutions to retail customers. Our goal is simple: to do the absolute best for our customers, our communities, and each other. YOUR NEW ROLE: Due to our current size and growth ambitions this is a fantastic opportunity for someone who is experienced in conducting compliance monitoring reviews on both a thematic and routine basis in a financial services firm. You will be responsible for providing business functions with quality and timely advice on compliance with FCA regulations, provide ongoing oversight and reporting on the compliance position. You will champion delivering good consumer outcomes and will support on the advice and oversight of our developing consumer lending hire purchase proposition - enabling risk-owners to ensure compliance and good customer outcomes are achieved. You will have high levels of autonomy, enabling you to make decisions about the right way to do things. This role involves a variety of subjects and initiatives allowing you to work dynamically, and broaden your breadth of experience. RESPONSIBILITIES AND DUTIES: DF Capital are passionate about providing employees with the right training and support to help them excel in their roles and future careers. We are confident that an applicant with the right attitude and drive will succeed in this role. Other duties may be assigned outside of the following duties and responsibilities: Providing advice to all business functions, stakeholders and projects on effective compliance to the FCA Handbook, particularly CONC, PRIN and BCOBs, which is tailored to the customers, scale and risk of the firm Oversee and test business compliance against sourcebooks and policy, to provide effective, risk-based assurance to risk-owners and independently for the Board Provide constructive input and challenge to business forums and committees, driving an agenda of customer centricity and sustainability Review new or developing legislation/regulation to analyse business impact, brief business stakeholders up to the SLT and Board, and lead/advise on appropriate action Identify and address regulatory training needs, creating and delivering training sessions for stakeholders Lead on compliance thematic reviews, depending on subject-matter expertise and team resources Work with the Compliance Director to annually review compliance risk and devise the annual Compliance Monitoring Plan Lead on maintenance and updates to the compliance framework and policies, ensuring it remains continuously effective for managing compliance as the business grows Lead improvement initiatives to Compliance processes, such as horizon scanning, monthly ERC reporting, etc. Act as a deputy to the Compliance Director at Group Risk Committee You will not have any direct reports but will act as a supporting coach for 2LOD colleagues and beyond, upskilling and deepening knowledge of FCA regulations and effective compliance processes. Requirements Strong ethics and standards, comfortable with open and direct communication across various levels of seniority. You will have provided compliance advice within a financial services firm before, and can demonstrate successful, outcomes-focussed effects of that advice Good practical working knowledge of the FCA Handbook (particularly CONC, SYSC, PRICN, BCOBs and DISP); bonus for knowledge of money laundering regulations - but not essential! Experience in a firm(s) that offer regulated and unregulated products, can make pragmatic, risk-based judgements about when and how principles and rules should be applied throughout the firm. Have a vision of what good looks like in compliance practices/process, and are excited by the opportunity to deliver your vision. Can communicate concepts in a concise, simple way, even if they're complex. Strong ability to analyse information, and make informed judgement. Proven ability to work in a fast-paced environment and adapt to change. Benefits Private Medical Insurance for you and your partner/family 10% Employer pension contribution 30-day annual leave entitlement plus Bank/Public Holidays Free Gym Membership Discretionary annual bonus Discretionary share awards Life Assurance Income Protection Save As You Earn company share acquisition scheme Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles 4 days of paid Volunteering leave to support our local communities Vibrant office location in the lively city centre of Manchester
We're DF Capital - a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses. Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions. We help our customers realise their ambitions by doing things differently - combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it's flexible lending structures or straightforward savings options, we focus on what matters most to our customers. In 2025, we launched DF Capital Retail Finance - a subsidiary of DF Capital Bank Limited - to offer specialist hire purchase solutions to retail customers. Our goal is simple: to do the absolute best for our customers, our communities, and each other. YOUR NEW ROLE: Due to our current size and growth ambitions this is a fantastic opportunity for someone who is experienced in conducting compliance monitoring reviews on both a thematic and routine basis in a financial services firm. You will be responsible for providing business functions with quality and timely advice on compliance with FCA regulations, provide ongoing oversight and reporting on the compliance position. You will champion delivering good consumer outcomes and will support on the advice and oversight of our developing consumer lending hire purchase proposition - enabling risk-owners to ensure compliance and good customer outcomes are achieved. You will have high levels of autonomy, enabling you to make decisions about the right way to do things. This role involves a variety of subjects and initiatives allowing you to work dynamically, and broaden your breadth of experience. RESPONSIBILITIES AND DUTIES: DF Capital are passionate about providing employees with the right training and support to help them excel in their roles and future careers. We are confident that an applicant with the right attitude and drive will succeed in this role. Other duties may be assigned outside of the following duties and responsibilities: Providing advice to all business functions, stakeholders and projects on effective compliance to the FCA Handbook, particularly CONC, PRIN and BCOBs, which is tailored to the customers, scale and risk of the firm Oversee and test business compliance against sourcebooks and policy, to provide effective, risk-based assurance to risk-owners and independently for the Board Provide constructive input and challenge to business forums and committees, driving an agenda of customer centricity and sustainability Review new or developing legislation/regulation to analyse business impact, brief business stakeholders up to the SLT and Board, and lead/advise on appropriate action Identify and address regulatory training needs, creating and delivering training sessions for stakeholders Lead on compliance thematic reviews, depending on subject-matter expertise and team resources Work with the Compliance Director to annually review compliance risk and devise the annual Compliance Monitoring Plan Lead on maintenance and updates to the compliance framework and policies, ensuring it remains continuously effective for managing compliance as the business grows Lead improvement initiatives to Compliance processes, such as horizon scanning, monthly ERC reporting, etc. Act as a deputy to the Compliance Director at Group Risk Committee You will not have any direct reports but will act as a supporting coach for 2LOD colleagues and beyond, upskilling and deepening knowledge of FCA regulations and effective compliance processes. Requirements Strong ethics and standards, comfortable with open and direct communication across various levels of seniority. You will have provided compliance advice within a financial services firm before, and can demonstrate successful, outcomes-focussed effects of that advice Good practical working knowledge of the FCA Handbook (particularly CONC, SYSC, PRICN, BCOBs and DISP); bonus for knowledge of money laundering regulations - but not essential! Experience in a firm(s) that offer regulated and unregulated products, can make pragmatic, risk-based judgements about when and how principles and rules should be applied throughout the firm. Have a vision of what good looks like in compliance practices/process, and are excited by the opportunity to deliver your vision. Can communicate concepts in a concise, simple way, even if they're complex. Strong ability to analyse information, and make informed judgement. Proven ability to work in a fast-paced environment and adapt to change. Benefits Private Medical Insurance for you and your partner/family 10% Employer pension contribution 30-day annual leave entitlement plus Bank/Public Holidays Free Gym Membership Discretionary annual bonus Discretionary share awards Life Assurance Income Protection Save As You Earn company share acquisition scheme Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles 4 days of paid Volunteering leave to support our local communities Vibrant office location in the lively city centre of Manchester
DF Capital Bank
Manchester, Lancashire
We're DF Capital - a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses. Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions. We help our customers realise their ambitions by doing things differently - combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it's flexible lending structures or straightforward savings options, we focus on what matters most to our customers. In 2025, we launched DF Capital Retail Finance - a subsidiary of DF Capital Bank Limited - to offer specialist hire purchase solutions to retail customers. Our goal is simple: to do the absolute best for our customers, our communities, and each other. YOUR NEW ROLE: Our Credit & Portfolio team sits at the heart of the business, overseeing all aspects of the customer journey from onboarding to recovery. You'll join the DF Capital Lending Decisioning, Credit & Portfolio team with responsibility for the monitoring, analysis and optimisation of the SME & Consumer lending portfolio. The role focuses on assessing portfolio performance, identifying emerging risks and providing insights to support credit strategy, risk management and commercial decision making. You will be detail driven, diligent, meticulous, and considered in your approach, spotting, and escalating issues early to drive the best possible outcomes for the Bank and our customers. A good level of proficiency in using Microsoft PowerPoint, Adobe and other presentational materials is required. Key Responsibilities: Portfolio Monitoring & Reporting Analyse the performance of the SME loan portfolio (arrears, defaults, recoveries, yields) Produce regular MI packs for senior stakeholders Track key credit metrics such as PD, LGD, and EAD Monitor sector, geographic, and concentration risks Risk Analysis Identify early warning signs of portfolio deterioration Conduct trend analysis across industries and borrower types Support stress testing and scenario analysis Assist in IFRS 9 provisioning and ECL modelling Data & Insights Extract and analyse large datasets (Excel, SQL, Python) Develop dashboards (using Power BI, Tableau) Provide actionable insights to stakeholders Strategy & Decision Support Support development of credit policies and risk appetite Evaluate new lending strategies and product changes Assist in pricing and profitability analysis Regulatory & Governance Ensure internal Credit reporting aligns with regulatory expectations Support audits and maintain data quality Requirements The following skills and experience are required for this role: 3+ years in commercial lending (or similar roles) to small & medium sized businesses with experience in one or more of the following areas: inventory financing, dealer stocking, leasing, asset finance, trade finance or ABL, including invoice finance. Ability to deliver against deadlines, articulate outputs from own analysis, recommendations and basis of decisions clearly and to a varied audience including SLT. Writing comprehensive reports including the basis for your recommendations, You will have excellent attention to detail, with the ability to conduct detailed statistical analysis, interpreting and articulating meaningful information from trends and statistics. Ability to work well on your own and as part of a team, building effective working relationships with colleagues across all areas of the business, and influencing others to take appropriate actions to address issues found. Essential Experience in banking or financial services (SME preferred) Strong Excel skills Understanding of PD, LGD, ECL, IFRS 9 Strong analytical and problem-solving skills Desirable SQL, Python or R experience Knowledge of UK regulatory environment preferred Experience in portfolio modelling or stress testing Qualifications Degree in Finance, Economics, Mathematics or similar Professional qualifications (CFA, FRM, ACA, ACCA) desirable Benefits Private medical insurance for you and your family 10% Employer pension contribution 30-day annual leave entitlement plus Bank/Public Holidays Free Gym Membership Discretionary annual bonus Discretionary share awards Life Assurance Income Protection Save As You Earn company share acquisition scheme. Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles. 3 days paid Volunteering leave to support our local communities. Vibrant office location in the lively city centre of Manchester.
We're DF Capital - a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses. Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions. We help our customers realise their ambitions by doing things differently - combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it's flexible lending structures or straightforward savings options, we focus on what matters most to our customers. In 2025, we launched DF Capital Retail Finance - a subsidiary of DF Capital Bank Limited - to offer specialist hire purchase solutions to retail customers. Our goal is simple: to do the absolute best for our customers, our communities, and each other. YOUR NEW ROLE: Our Credit & Portfolio team sits at the heart of the business, overseeing all aspects of the customer journey from onboarding to recovery. You'll join the DF Capital Lending Decisioning, Credit & Portfolio team with responsibility for the monitoring, analysis and optimisation of the SME & Consumer lending portfolio. The role focuses on assessing portfolio performance, identifying emerging risks and providing insights to support credit strategy, risk management and commercial decision making. You will be detail driven, diligent, meticulous, and considered in your approach, spotting, and escalating issues early to drive the best possible outcomes for the Bank and our customers. A good level of proficiency in using Microsoft PowerPoint, Adobe and other presentational materials is required. Key Responsibilities: Portfolio Monitoring & Reporting Analyse the performance of the SME loan portfolio (arrears, defaults, recoveries, yields) Produce regular MI packs for senior stakeholders Track key credit metrics such as PD, LGD, and EAD Monitor sector, geographic, and concentration risks Risk Analysis Identify early warning signs of portfolio deterioration Conduct trend analysis across industries and borrower types Support stress testing and scenario analysis Assist in IFRS 9 provisioning and ECL modelling Data & Insights Extract and analyse large datasets (Excel, SQL, Python) Develop dashboards (using Power BI, Tableau) Provide actionable insights to stakeholders Strategy & Decision Support Support development of credit policies and risk appetite Evaluate new lending strategies and product changes Assist in pricing and profitability analysis Regulatory & Governance Ensure internal Credit reporting aligns with regulatory expectations Support audits and maintain data quality Requirements The following skills and experience are required for this role: 3+ years in commercial lending (or similar roles) to small & medium sized businesses with experience in one or more of the following areas: inventory financing, dealer stocking, leasing, asset finance, trade finance or ABL, including invoice finance. Ability to deliver against deadlines, articulate outputs from own analysis, recommendations and basis of decisions clearly and to a varied audience including SLT. Writing comprehensive reports including the basis for your recommendations, You will have excellent attention to detail, with the ability to conduct detailed statistical analysis, interpreting and articulating meaningful information from trends and statistics. Ability to work well on your own and as part of a team, building effective working relationships with colleagues across all areas of the business, and influencing others to take appropriate actions to address issues found. Essential Experience in banking or financial services (SME preferred) Strong Excel skills Understanding of PD, LGD, ECL, IFRS 9 Strong analytical and problem-solving skills Desirable SQL, Python or R experience Knowledge of UK regulatory environment preferred Experience in portfolio modelling or stress testing Qualifications Degree in Finance, Economics, Mathematics or similar Professional qualifications (CFA, FRM, ACA, ACCA) desirable Benefits Private medical insurance for you and your family 10% Employer pension contribution 30-day annual leave entitlement plus Bank/Public Holidays Free Gym Membership Discretionary annual bonus Discretionary share awards Life Assurance Income Protection Save As You Earn company share acquisition scheme. Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles. 3 days paid Volunteering leave to support our local communities. Vibrant office location in the lively city centre of Manchester.
