At a Glance
- Tasks: Join our Credit & Portfolio team to analyse and improve customer financial journeys.
- Company: DF Capital, a specialist bank focused on innovative finance solutions.
- Benefits: Enjoy private medical insurance, generous leave, gym membership, and more.
- Other info: Dynamic work environment with opportunities for personal and professional growth.
- Why this job: Make a real impact by helping customers achieve their financial ambitions.
- Qualifications: Two years' experience in commercial lending and strong analytical skills.
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.
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 Credit & Portfolio team with responsibility for scanning the Portfolio of existing Dealers to spot adverse trends, working with other Credit & Portfolio as well as Commercial colleagues 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 Finance and Invoice Finance.
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.
Responsibilities
- Completing comprehensive reviews to identify potential issues at the earliest opportunity.
Prioritising counterparties highlighted via the Early Warning Indication (EWI) suite and those showing a deteriorating financial profile, whilst completing scheduled reviews for performing counterparties
- Working 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.
- 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.
- Assisting with the management of risk around the business via adherence to operational systems and processes at all times.
- Maintain a positive and professional working environment that engages customers to ensure customer retention and thus maximise opportunities at all times.
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.
Must possess the required proficiency to perform essential tasks.
You will have experience in and examples of
- Minimum of two years’ experience 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
- Private medical insurance for you and your partner/spouse
- 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.
Credit Manager in Warrington employer: DF Capital
At DF Capital, we pride ourselves on being an exceptional employer, offering a vibrant work culture in the heart of Manchester that fosters innovation and collaboration. Our employees enjoy a range of benefits including private medical insurance, generous annual leave, and opportunities for professional growth, all while contributing to our mission of supporting customers and communities. With a focus on employee well-being and a commitment to doing the best for each other, DF Capital is the ideal place for those seeking meaningful and rewarding careers in the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Manager in Warrington
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like DF Capital. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Manager in Warrington
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to DF Capital.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on DF Capital's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at DF Capital
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with DF Capital.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at DF Capital will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former DF Capital employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
