Retail Lending Associate in 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.

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.

THE ROLE

The Retail Lending Associate is an exciting new role, you'll be at the heart of delivering a seamless activation and payout process for our customers and dealers, ensuring all documentation and requirements are met before completing any deal. Your contribution will be critical in supporting our growing consumer and business asset finance offerings by delivering the activities that allow for activation while also providing a personal touch for both dealers and customers to ensure a consistent DF Capital experience.

RESPONSIBILITIES AND DUTIES

• Serving as the primary point of contact for DF Capital’s Asset Finance dealer network, providing customers with updates on the progress of funding applications, along with tailored support and valuable information to meet their needs.
• Keep customers informed in real-time about deal progress, offering proactive support and timely updates.
• Act as the first point of escalation, resolving queries and complaints swiftly to ensure great customer experiences.
• Proactively engage with customers and dealers to ensure deals are completed efficiently while meeting all lending requirements.
• Collaborate with the Commercial team to ensure we can adapt quickly to evolving customer needs.
• Review and ensure the accuracy of asset documentation and checklists, delivering fast, seamless processes for all lending activities.
• Build strong, personalised relationships with customers, understanding their needs and expectations to provide tailored, timely solutions.
• Work cross-functionally with Credit, Customer Services, and Onboarding teams to create an efficient, frictionless customer experience.
• Adhere fully to Standard Operating Procedures (SOPs), executing tasks with agility and precision.
• Process inbound documentation swiftly and accurately, ensuring terms are met without delay.
• Prepare outbound documentation to confirm funding requests with customers and dealers promptly.
• Activate assets in the system, ensuring payments and contractual documentation are processed within agreed SLAs.
• Analyse reconciliation breaks, working closely with Finance and Cash Operations to resolve issues and streamline processes for quicker outcomes.
• Collaborate with internal teams to overcome processing delays and maintain seamless customer funding timelines, delivering market-leading service.
• Deliver right-first-time actions and services, ensuring a low error rate and high customer satisfaction.
• Support the smooth running of the department by completing any additional tasks requested by the line manager to meet customer needs effectively.
• Work within a shift pattern to be able to support our dealers and customers with a 7 day a week service, 5 days working with 2 days off.

At the very heart of every DF Capital employee is a shared identity and belief in what we are and what we do. You will live our brand values. As such you will be an approachable, empathetic problem solver, with exemplary communications skills. You will avoid the use of unnecessary jargon and display an adaptable, “can-do” attitude.

The Retail Lending Associate plays a critical role in supporting customers, both businesses and consumers, with the support of the Retail Lending Operations Manager. You will be the daily contact for your clients and be responsible for reviewing and processing client’s requests for funding. You will be responsible for ensuring the deals run smoothly and adhere to the DFC Lending Policy.

You must demonstrate several core skills when working at pace - ability to work methodically and with an eye for detail, an ability to communicate with a variety of customers from small to medium sized businesses or consumers of all kinds, have a competent understanding of operational processes and practices, with proven skills in prioritisation and organisational skills.

Required experience

• Excellent eye for detail.
• Ability to organise and work independently.
• Customer Service excellence.
• Excellent written and oral communication skills.
• Superior problem-solving abilities.
• Self‑motivated.
• Instinctively curious.
• Ability to set and manage priorities.
• Detail and process‑orientated with a focus on accurate and timely outcomes.
• Exceptional service orientation.
• Ability to operate in a team‑orientated, collaborative environment.
• Exceptional energy levels.
• Able to use data to inform and drive decision making.

Benefits

• 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 Ancoats, Manchester.