D

DF Capital

Inventory-finance specialist and retail deposits

Data Engineer

Full-TimeUpdated on 10/17/2026
No salary listed
Mid
Manchester, UK
In Person
Data & AnalyticsData Engineering

About the job

Requirements
  • Strong SQL skills, including developing complex queries, transformations, and data models.
  • Experience with modern cloud-based data architectures and platforms.
  • Experience sourcing and integrating data from structured sources such as relational databases.
  • Experience working with semi-structured data, including JSON, XML, and API-based integrations.
  • Familiarity with Python for automation, scripting, API integration, and data processing.
  • Experience designing and maintaining data transformation pipelines.
  • Understanding of data warehousing concepts and dimensional modelling.
  • Experience with Git-based source control and collaborative development practices.
  • Understanding of CI/CD principles and automated deployment processes.
  • Knowledge of data quality, testing, and monitoring methodologies.
  • Experience working as a Data Engineer, ETL Developer, or in a similar role.
  • Experience delivering data solutions within a cloud environment.
  • Ability to work independently and manage priorities effectively.
  • Strong analytical and problem-solving skills.
  • Excellent communication skills with technical and non-technical stakeholders.
Responsibilities
  • Design, develop, and maintain scalable data pipelines and data integration solutions.
  • Build and optimise SQL-based solutions within Snowflake.
  • Create and maintain robust ELT processes supporting reporting and analytics requirements.
  • Develop and manage data models supporting business, operational, and regulatory needs.
  • Ensure data quality, consistency, and integrity across multiple data sources.
  • Document data flows, transformation logic, and technical solutions.
  • Design and maintain ingestion pipelines for structured and semi-structured data.
  • Source and integrate data from operational databases, applications, and third-party platforms.
  • Develop integrations with REST APIs and other external data services.
  • Extract, process, and transform semi-structured data formats such as JSON and XML.
  • Monitor ingestion processes and implement controls to ensure data reliability and completeness.
  • Work with business and technical stakeholders to understand source systems and data requirements.
  • Build and maintain transformation layers using SQL and DBT.
  • Design reusable and scalable data models following engineering best practices.
  • Implement testing and validation to ensure high levels of data quality.
  • Optimise transformation performance and maintainability.
  • Develop and maintain automated workflows using Windmill.
  • Schedule, orchestrate, and monitor data processing activities.
  • Identify opportunities to improve operational efficiency through automation.
  • Support troubleshooting and resolution of production issues.
  • Use GitHub for source control, collaboration, and code reviews.
  • Support and improve CI/CD processes for data platform deployments.
  • Promote engineering best practices, including version control, testing, and release management.
  • Maintain technical documentation and operational runbooks.
  • Work closely with the Lead Data Engineer and wider stakeholders across the bank.
  • Participate in architecture discussions and solution design.
  • Contribute to the evolution of the data platform and engineering standards.
  • Share knowledge and support continuous improvement initiatives within the team.
Desired Qualifications
  • Experience with DBT for data transformation and modelling.
  • Experience with Windmill for workflow orchestration and automation.
  • Experience building internal data applications using Streamlit.
  • Experience with Snowflake administration and optimisation.
  • Knowledge of financial services, banking, or regulated industries.
  • Exposure to regulatory reporting and data governance frameworks.
  • Experience working in Agile delivery teams.

About the company

DF Capital is a UK specialist bank that provides working capital through two main streams: commercial lending to dealers and manufacturers and personal savings products for retail investors. It concentrates on inventory (floorplan) finance, funding stock from order to sale on a pay-as-sold basis, with an online DF Connect portal and DF Choice for asset-level repayment customization. The bank funds itself with retail deposits and has expanded into Structured Finance and consumer hire purchase finance through its dealer network following FCA authorization. Its goal is to support UK SMEs by offering reliable working capital, growth financing, and diversified funding while growing its dealer and manufacturer network and product range.

Company Size

51-200

Company Stage

N/A

Total Funding

$26.4M

Headquarters

London, United Kingdom

Founded

2016

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Simplify's Take

What believers are saying

  • June 2026 trading update guided H1 profit to at least £13 million.
  • Asset finance grew to nearly £40 million by June 2026, broadening revenue.
  • Fintilect-powered self-serve savings and business banking launched, improving acquisition and servicing.

What critics are saying

  • Dealer and manufacturer concentration exposes DF Capital to sector shocks and inventory slumps.
  • Longer-tenor loans lifted profitability in 2026, but they tie up capital longer.
  • A deposit outflow after a credit shock would cripple DF Capital's funding model.

What makes DF Capital unique

  • DF Capital's dealer-floorplan niche generated record H1 2026 origination of £1.0 billion.
  • British Business Bank's £350 million ENABLE facility backs lending through 2028.
  • Retail deposits exceeded £1 billion in Q1 2026, funding growth without wholesale dependence.

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Benefits

  • Health Insurance
  • Paid Vacation
  • Paid Holidays
  • Gym Membership
  • Performance Bonus
  • Company Equity
  • Life Insurance
  • Disability Insurance
  • Employee Stock Purchase Plan

Company News

Insider Media
Feb 12th, 2025
Administrators of luxury yacht giant secure funding in move that retains 250 jobs - sale process launched for the iconic brand

The joint administrators of a luxury yacht manufacturer which employs 250 people have secured funding for the business and are seeking a buyer to take the brand forward.

FF News
Jan 14th, 2025
Df Capital Bank Appoints Fintilect

Fintilect, the specialist hyper-personalized digital banking software provider, has partnered with DF Capital to provide full online self-serve functionality for its suite of business savings accounts for small and medium sized enterprises (SMEs).The introduction of online functionality for these accounts follows the successful 2021 launch of full online functionality for DF Capital’s personal savings accounts.The accounts are now all powered by Fintilect’s low-code digital banking platform, which comprises a suite of pre-built, pre-integrated, easy to configure services designed to work alongside existing client systems.When live products are available, DF Capital’s business savings accounts can be accessed via the bank’s website, with easy access, notice and fixed rate deposit accounts forming the range, allowing for savings of £20,000 to £250,000. Eligible deposits with DF Capital are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.The collaboration with Fintilect forms a key part of DF Capital’s digital growth strategy and marks a significant milestone in responding swiftly to customer feedback.Paul Atherton, Chief Technology Officer of DF Capital said: “DF Capital recognises the importance of 24/7 online banking functionality for both business and personal customers alike in today’s online banking world. We have therefore taken the decision to invest in our online offering across our entire product range to ensure it fully satisfies the most up-to-date, rigorous expectations of our entire client database.“Our partnership with Fintilect has resulted in the exact functionality that we need; a project that has been seamlessly delivered and executed flawlessly. We look forward to an ongoing strong relationship as we continue to innovate both now and in the future.”Rami Cassis, CEO, Fintilect, said: “We’re thrilled to be continuing our long-standing relationship with DF Capital, helping it to build even further its already strong presence in the market.“Fintilect developed the online functionality for DF Capital’s personal savers in 2021, a launch which resulted in strong customer satisfaction levels. We have now done the same for DF Capital’s business customers to ensure they, too, can apply for and service their accounts at any time of the day or night.”

British Business Investments
Sep 8th, 2023
British Business Investments announces £20m Tier 2 facility with DF Capital

British Business Investments announces £20m Tier 2 facility with DF Capital.

British Business Investments
Sep 8th, 2023
British Business Investments announces £20m Tier 2 facility with DF Capital - British Business Investments

British Business Investments today announces a new £20m Tier 2 facility for DF Capital. This investment will help DF Capital provide an additional £300m+ of new lending per annum, to existing and new UK SME vendors and dealerships.

Employee Benefits
Feb 8th, 2022
Distribution Finance Capital launches electric vehicle salary sacrifice scheme

DF Capital has launched an electric vehicle salary sacrifice scheme for its 95 employees.