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- Tasks: Monitor dealer portfolios, identify trends, and collaborate to resolve issues.
- Company: DF Capital, a specialist bank focused on innovative financial solutions.
- Benefits: Competitive salary, private medical insurance, gym membership, and generous leave.
- Why this job: Join a dynamic team making a real impact in the finance sector.
- Qualifications: Experience in commercial lending and strong analytical skills required.
- Other info: Vibrant Manchester office with excellent career development opportunities.
The predicted salary is between 40000 - 50000 £ per year.
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.
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 Credit & Portfolio team with responsibility for scanning the Portfolio of existing Dealers to spot adverse trends, working with colleagues across Credit, Portfolio and Commercial to address and resolve any issues identified. You will also be responsible for supporting the onboarding and monitoring of facilities which are non-standard or in trial such as Wholesale and Invoice Finance. Our ideal candidate will be detail driven, diligent, meticulous, and considered in their approach, spotting, and escalating issues early to drive the best possible outcomes for the Bank and our customers.
RESPONSIBILITIES AND DUTIES
- Working with the Management Information team to build, maintain and evolve an effective Dealer-Level and Vendor-Level Early Warning Indication (EWI) suite.
- Using the EWI suite, you will complete comprehensive reviews to identify potential issues at the earliest opportunity.
- You will work with other Portfolio & Credit and Commercial colleagues to agree and execute strategies which further advise and address the issues requiring escalation.
- Using your agreed mandate to provide support to our customers as when required including, but not limit to, forbearance agreements.
- Making recommendations regarding Dealers’ Watch List status, based on the issues identified, and oversee the progress of strategies required to resolve the issues, with a view to returning as many as possible back into the ‘performing’ portfolio in a timely manner.
- Working closely with the Collections & Recoveries Manager to ensure that any Watchlist Dealers that can’t be rehabilitated are placed into Recoveries in the best possible position.
- Advise on the ongoing portfolio risk monitoring of specialist products at the point of origination, implement and maintain the monitoring regime for such facilities, escalating issues as appropriate.
- Deputise for Head of Portfolio Monitoring & Specialist Management and Collections and Recoveries Manager as required.
- Assist with the management of risk around the business via adherence to operational systems and processes at all times.
- Engender a positive and professional working environment that engages customers to ensure customer retention and thus maximise opportunities at all times.
JOB REQUIREMENTS:
At the very heart of every DF Capital employee is a shared identity and belief in what we are and what we do. It’s about how we see ourselves and what is important to us. 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.
Applicants must have experience in and examples of:
- Lending to Commercial customers across a variety of product types.
- Effective decision making through diligent analysis of available information including evaluation of possible alternatives to get the best outcome for the bank and its customers.
- Ability to balance immediate customer needs with the bank’s risk appetite, making decisions under pressure while maintaining a focus on bad debt tolerances.
- Building, improving, and interpreting data sets.
- Detailed statistical analysis, being able to spot, interpret, and articulate to others meaningful information from trends and statistics.
- Writing comprehensive reports including the basis for your recommendations/decisions in accordance with your delegated Mandate.
- You will have excellent attention to detail and be able to work well on your own and as part of a team.
- Ability to engage and build effective working relationships with colleagues across all areas of the business.
- Confidence to articulate findings and recommendations to a broad cross-section of colleagues and influence others to take appropriate actions to address issues found.
- You will have strong verbal and written communication skills.
- You will be flexible and dynamic in your approach to resolving issues.
- You’re independent and well organised with a ‘can do’ attitude.
- You are hardworking and passionate about achieving great results.
- You pitch in and aren’t afraid to get your hands dirty.
- Desire to learn and develop in a fast-paced environment.
Benefits:
- Competitive salary
- Private medical insurance for you, your partner plus dependants
- 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.
Locations
Portfolio Monitoring Manager in Cheshire, Warrington employer: DF Capital
Contact Detail:
DF Capital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Monitoring Manager in Cheshire, Warrington
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with potential colleagues 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 researching DF Capital and understanding their values and mission. Tailor your responses to show how your skills align with their goals, especially in terms of customer service and problem-solving.
✨Tip Number 3
Practice your interview skills with a friend or use mock interview platforms. Focus on articulating your experience with lending and data analysis clearly, as these are key for the Portfolio Monitoring Manager role.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining the DF Capital team.
We think you need these skills to ace Portfolio Monitoring Manager in Cheshire, Warrington
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your experience in lending and portfolio management. We want to see how your skills align with our needs, so don’t hold back on showcasing your relevant achievements!
Showcase Your Analytical Skills: Since the role involves detailed statistical analysis, be sure to include examples of how you've successfully interpreted data in past roles. We love seeing candidates who can spot trends and articulate their findings clearly.
Keep It Clear and Concise: Avoid jargon and keep your writing straightforward. We appreciate clarity, so make your points easy to understand. This will not only help us grasp your qualifications but also reflect your communication skills.
Apply Through Our Website: We encourage you to submit your application through our website. It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it’s super easy to do!
How to prepare for a job interview at DF Capital
✨Know Your Numbers
As a Portfolio Monitoring Manager, you'll be dealing with data and trends. Brush up on your statistical analysis skills and be ready to discuss how you've used data to make decisions in the past. Bring examples of reports you've written that highlight your analytical abilities.
✨Showcase Your Problem-Solving Skills
DF Capital values empathetic problem solvers. Prepare to share specific instances where you've identified issues early and implemented effective solutions. Think about how you balanced customer needs with risk management and be ready to articulate those experiences.
✨Communicate Clearly
Strong communication is key for this role. Practice explaining complex concepts in simple terms, avoiding jargon. You might be asked to present findings or recommendations, so consider how you can convey your ideas clearly and confidently to different audiences.
✨Demonstrate Team Spirit
Collaboration is essential at DF Capital. Be prepared to discuss how you've worked effectively within a team, especially in high-pressure situations. Highlight your adaptability and willingness to support colleagues, as well as any leadership roles you've taken on when necessary.