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- Tasks: Monitor and optimise SME & Consumer lending portfolios while providing insights for credit strategy.
- Company: DF Capital, an innovative bank focused on tailored financial solutions.
- Benefits: Private medical insurance, generous leave, gym membership, and a vibrant office in Manchester.
- Other info: Opportunities for professional growth and community support through volunteering.
- Why this job: Join a dynamic team making a real impact in the finance sector.
- Qualifications: 3+ years in commercial lending with strong analytical skills and attention to detail.
The predicted salary is between 50000 - 60000 £ 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 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
- 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
- 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.
Portfolio Manager in Warrington employer: DF Capital
Contact Detail:
DF Capital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Manager in 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 products. Tailor your responses to show how your skills align with their mission of supporting customers' ambitions. We want to see your passion for what we do!
✨Tip Number 3
Practice your analytical skills! Brush up on your Excel, SQL, and data analysis techniques. Being able to demonstrate your proficiency in these areas during interviews will set you apart from the competition.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining our team at DF Capital.
We think you need these skills to ace Portfolio Manager in Warrington
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Portfolio Manager role. Highlight your experience in commercial lending and any relevant skills that match the job description. We want to see how you can bring your unique flair to our team!
Showcase Your Analytical Skills: Since this role is all about monitoring and analysing portfolios, don’t shy away from showcasing your analytical prowess. Include examples of how you've used data to drive decisions or improve outcomes in previous roles. We love a detail-driven candidate!
Be Clear and Concise: When writing your application, keep it clear and to the point. Use straightforward language to articulate your experiences and recommendations. Remember, we appreciate a well-structured report just as much as a good story!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about DF Capital and what we stand for!
How to prepare for a job interview at DF Capital
✨Know Your Numbers
As a Portfolio Manager, you'll need to be comfortable with key metrics like PD, LGD, and ECL. Brush up on these concepts before your interview, and be ready to discuss how you've used them in past roles. This shows you understand the financial landscape and can contribute from day one.
✨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 Excel, SQL, or Power BI to showcase your ability to extract insights from data.
✨Understand the Regulatory Environment
Familiarise yourself with the UK regulatory environment, especially as it pertains to credit reporting and compliance. Being able to articulate how you’ve navigated these regulations in previous roles will set you apart and show that you’re ready to uphold DF Capital's standards.
✨Be Ready to Collaborate
DF Capital values teamwork, so be prepared to discuss how you've built effective working relationships in the past. Think of examples where you've influenced others to take action based on your findings, as this will highlight your ability to work well within a team and drive results.