D

DF Capital

Inventory-finance specialist and retail deposits

Finance Manager

Full-TimeUpdated on 10/17/2026
No salary listed
Expert
Manchester, UK
In Person
AccountingFinancial Accounting

About the job

Requirements
  • A qualified or certified accountant (ACA, ACCA, or CIMA) is required.
  • Industry experience or in-house consultancy experience is required.
  • Experience managing a team and driving improvements is required.
  • Project management experience involving management of senior stakeholders is required.
  • The candidate should be self-motivated and reliable.
  • The candidate should have strong accounting and tax knowledge and be comfortable navigating and interpreting International Financial Reporting Standards and HMRC guidelines.
  • The candidate should be comfortable challenging current processes and proactively implementing improvements.
  • The candidate should have experience managing projects and driving change or automation.
  • The candidate should have a strong risk and controls background and a view on best-practice controls environments.
  • The candidate should have strong team-management and communication skills.
  • The candidate should be able to manage, prioritise, and delegate workstreams and deliverables.
Responsibilities
  • Manage a cohort of qualified and junior accountants, set and oversee their professional and personal development goals, manage their workload and output, and help with day-to-day queries.
  • Oversee the production of monthly management accounts, including reviewing balance sheet reconciliations, profit and loss analysis, monthly commentary, and variance analysis for presentation to the Chief Financial Officer.
  • Oversee tax returns, including VAT, corporation tax, employee-related securities, and P11D returns; assist with internal tax queries; consider tax implications of new projects and business ventures; and liaise with external tax advisors as required.
  • Drive improvements to the internal risk and controls environment by identifying risks and control deficiencies and implementing tangible improvements with clear documentation.
  • Drive efficiencies in core finance processes using automation tools, artificial intelligence, or similar approaches, and scope ways to free the wider team to focus on value-added tasks rather than manual processes.
  • Lead internal finance and business-wide projects as required, working with other departments across the Group to achieve corporate objectives, improve operational efficiency, or enhance the customer experience.
  • Assist with preparing year-end and half-year accounts in accordance with International Financial Reporting Standards and London Stock Exchange reporting requirements.
  • Assist with the external audit process and ensure it is completed smoothly and to schedule.
  • Represent the Finance team's requirements and interests in business projects, ensuring they are captured, including from a tax perspective.
  • Participate in working groups, build cross-departmental relationships, and work with Change, Automation, and Management Information teams to improve Finance processes and controls.
  • Challenge current financial control processes and use automation tools and artificial intelligence to drive improvements and efficiencies.
  • Assist the Director of Financial Control and Reporting in preparing internal compliance documents, including policies, accounting memoranda, internal standard operating procedures, and model governance materials.
  • Support the Director of Financial Control and Reporting with financial reporting duties, business-wide projects, cost centre reporting, forecast analysis, project budget tracking, and risk management.
Desired Qualifications
  • Financial services industry experience is desirable.
  • Tax accounting experience, including VAT, corporation tax, payroll taxes, research and development, or capital allowances, is desirable.
  • Experience improving the risk and controls environment is desirable.
  • Experience using artificial intelligence or other automation tools is desirable.

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.