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.
City + Capital
City & Capital are currently working with one of the UK's most dynamic and fast-growing specialist property finance lenders who are renowned for their innovation and tailored products to suit the needs of a broad range of professional borrowers, such as property developers and investors. Our client currently offers a range of property-backed loans to cover bridging finance, development exits, commercial mortgages and buy to let. Due to success to date, the lender has now doubled the size of their UK loan book and team 6 times in the last 6 years, with plans to achieve this for a 7th time across the coming period. Due to these increasing levels of high activity, they are generating more and more customer and performance data than ever before and are embarking on a key project to best manage & utilise this. An agile and robust data management and utilisation plan will be key to the attainment of this. Our client is therefore seeking an individual who will play an integral role in building & maintaining the businesses core data infrastructure & to deliver on the demands as outlined below. You will work closely with the lenders Chief Mortgage Officer & Senior Data Lead within the role. This is also a role that comes with plenty of progression potential for those that are successful in the role. About the Role As a Data Engineer, you will play a key role in building and maintaining the business's core data infrastructure. Working closely with the Chief Mortgage Officer, Senior Data Lead and Market Analysts you will enable scalable reporting, clean data flows, and analytics-ready datasets that underpin everything from product development and underwriting to compliance and performance tracking. You'll take ownership of automated data pipelines, cloud infrastructure within Microsoft Fabric, and integrations with platforms like Salesforce and core lending systems. Your work will be vital to ensuring data is accurate, structured, and available powering both real-time business intelligence and future advanced analytics. Key Responsibilities Design and develop automated ETL/ELT pipelines using SQL and Python Integrate internal/external data sources via APIs and platform connectors Model and structure data for scalable analytics (e.g., star/snowflake schemas) Administer Microsoft Fabric Lakehouse and Azure services Optimise performance across queries, datasets, and pipelines Apply data validation, cleansing, and standardisation rules Document pipeline logic and contribute to business-wide metadata catalogues Collaborate with BI, Change, and Product teams to align data outputs to needs Support groundwork for future data science and machine learning initiatives The successful applicant will be proficient in SQL and Python, with a proven track record of building and maintaining ETL/ELT pipelines. Experience working with Microsoft Fabric, Azure Data Factory, and modern Lakehouse or data warehouse architecture is essential. You'll demonstrate a strong focus on data quality and governance and be adept at integrating third-party APIs and transforming raw data into analytics-ready assets. Prior experience in financial services or lending is preferred, and the ability to communicate data requirements clearly across business teams will be key to success in this role. You'll be a technically strong data professional with hands-on experience in pipeline development, cloud-based data infrastructure, and performance optimisation. You will be at your best when working collaboratively in fast-paced environments and when translating complex business needs into structured, reliable data systems. On?Offer Our client is ideally looking to pay between £50k - £705as a basic salary for the ideal individual, relevant to experience. Higher offers may also be considered for exceptional talent and potential. Salary will be complemented by a favourable bonus scheme too, that will significantly enhance annual earnings. Most notably, due to our clients continued growth & strong and proven promote from within policy, this is also a role that comes with plenty of progression potential, where excellent performance is delivered. In turn, this could see you propel both career standing & salary within, as you make a real impact on the role and business. The?role?will?be?based?in?our?clients?Mayfair?offices,?offering?a?collaborative?and?fast paced working environment. There is a reasonable amount of urgency to fill this position as you might expect, for the reasons outlined. We do not expect this role to be on the market for long! Therefore, if this role does sound like one that you are both qualified for and interested in then we look forward to your application as soon as possible. We do not expect this role to be on the market for long! We will aim to review your application as soon as possible and get back to you with an update following. We look forward to hearing from you. Kind Regards, The City and Capital Team
City & Capital are currently working with one of the UK's most dynamic and fast-growing specialist property finance lenders who are renowned for their innovation and tailored products to suit the needs of a broad range of professional borrowers, such as property developers and investors. Our client currently offers a range of property-backed loans to cover bridging finance, development exits, commercial mortgages and buy to let. Due to success to date, the lender has now doubled the size of their UK loan book and team 6 times in the last 6 years, with plans to achieve this for a 7th time across the coming period. Due to these increasing levels of high activity, they are generating more and more customer and performance data than ever before and are embarking on a key project to best manage & utilise this. An agile and robust data management and utilisation plan will be key to the attainment of this. Our client is therefore seeking an individual who will play an integral role in building & maintaining the businesses core data infrastructure & to deliver on the demands as outlined below. You will work closely with the lenders Chief Mortgage Officer & Senior Data Lead within the role. This is also a role that comes with plenty of progression potential for those that are successful in the role. About the Role As a Data Engineer, you will play a key role in building and maintaining the business's core data infrastructure. Working closely with the Chief Mortgage Officer, Senior Data Lead and Market Analysts you will enable scalable reporting, clean data flows, and analytics-ready datasets that underpin everything from product development and underwriting to compliance and performance tracking. You'll take ownership of automated data pipelines, cloud infrastructure within Microsoft Fabric, and integrations with platforms like Salesforce and core lending systems. Your work will be vital to ensuring data is accurate, structured, and available powering both real-time business intelligence and future advanced analytics. Key Responsibilities Design and develop automated ETL/ELT pipelines using SQL and Python Integrate internal/external data sources via APIs and platform connectors Model and structure data for scalable analytics (e.g., star/snowflake schemas) Administer Microsoft Fabric Lakehouse and Azure services Optimise performance across queries, datasets, and pipelines Apply data validation, cleansing, and standardisation rules Document pipeline logic and contribute to business-wide metadata catalogues Collaborate with BI, Change, and Product teams to align data outputs to needs Support groundwork for future data science and machine learning initiatives The successful applicant will be proficient in SQL and Python, with a proven track record of building and maintaining ETL/ELT pipelines. Experience working with Microsoft Fabric, Azure Data Factory, and modern Lakehouse or data warehouse architecture is essential. You'll demonstrate a strong focus on data quality and governance and be adept at integrating third-party APIs and transforming raw data into analytics-ready assets. Prior experience in financial services or lending is preferred, and the ability to communicate data requirements clearly across business teams will be key to success in this role. You'll be a technically strong data professional with hands-on experience in pipeline development, cloud-based data infrastructure, and performance optimisation. You will be at your best when working collaboratively in fast-paced environments and when translating complex business needs into structured, reliable data systems. On?Offer Our client is ideally looking to pay between £50k - £705as a basic salary for the ideal individual, relevant to experience. Higher offers may also be considered for exceptional talent and potential. Salary will be complemented by a favourable bonus scheme too, that will significantly enhance annual earnings. Most notably, due to our clients continued growth & strong and proven promote from within policy, this is also a role that comes with plenty of progression potential, where excellent performance is delivered. In turn, this could see you propel both career standing & salary within, as you make a real impact on the role and business. The?role?will?be?based?in?our?clients?Mayfair?offices,?offering?a?collaborative?and?fast paced working environment. There is a reasonable amount of urgency to fill this position as you might expect, for the reasons outlined. We do not expect this role to be on the market for long! Therefore, if this role does sound like one that you are both qualified for and interested in then we look forward to your application as soon as possible. We do not expect this role to be on the market for long! We will aim to review your application as soon as possible and get back to you with an update following. We look forward to hearing from you. Kind Regards, The City and Capital Team
