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For Companies At a Glance
- Tasks: Analyse and optimise SME & Consumer lending portfolios while providing insights for strategic decisions.
- Company: Join a leading bank with a focus on innovation and customer satisfaction.
- Benefits: Enjoy private medical insurance, generous leave, gym membership, and a vibrant office in Manchester.
- Other info: Dynamic team environment with opportunities for professional growth and community support.
- Why this job: Make a real impact on lending strategies and help shape the future of finance.
- Qualifications: 3+ years in commercial lending and strong analytical skills required.
The predicted salary is between 45000 - 55000 £ per year.
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
Required Skills and Experience
- 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
- 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 Skills
- 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 Skills
- 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
Portfolio Analyst in Manchester employer: DF Capital Group
Contact Detail:
DF Capital Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Analyst in Manchester
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to portfolio analysis. Use your knowledge of credit metrics and risk management to showcase your expertise and how you can add value to the team.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for openings that match your skills in commercial lending and portfolio management.
✨Tip Number 4
Follow up after interviews with a thank-you note. It’s a simple gesture that shows your appreciation and keeps you fresh in their minds. Plus, it’s a great opportunity to reiterate your interest in the role!
We think you need these skills to ace Portfolio Analyst in Manchester
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Portfolio Analyst role. Highlight your experience in commercial lending and any relevant skills like data analysis or risk management. We want to see how your background fits with our Credit & Portfolio team!
Showcase Your Analytical Skills: In your application, don’t shy away from showcasing your analytical prowess. Mention specific tools you’ve used, like Excel or SQL, and any projects where you’ve analysed portfolio performance. We love detail-driven candidates who can spot trends!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about the role and how your skills align with our needs. We appreciate a personal touch that shows us you’ve done your homework on StudySmarter.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it’s super easy to do!
How to prepare for a job interview at DF Capital Group
✨Know Your Numbers
As a Portfolio Analyst, you'll be dealing with metrics like PD, LGD, and EAD. Brush up on these concepts and be ready to discuss how you've used them in your previous roles. Being able to articulate your understanding of these metrics will show that you're detail-driven and ready for the responsibilities of the role.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess by discussing specific examples where you've conducted trend analysis or risk assessments. Bring along any dashboards or reports you've created using tools like Excel, SQL, or Power BI to showcase your ability to extract insights from data.
✨Be Ready for Scenario Questions
Expect questions that test your problem-solving skills, especially around stress testing and scenario analysis. Think of past experiences where you identified early warning signs of portfolio deterioration and be prepared to explain your thought process and the outcomes.
✨Communicate Clearly
Since you'll need to present findings to senior stakeholders, practice articulating your analysis and recommendations clearly. Use simple language to explain complex concepts, and consider preparing a brief presentation to demonstrate your proficiency in tools like PowerPoint and Adobe.