Credit Manager

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 complimentary 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.

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.

• 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.