Portfolio Analyst

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 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

The following skills and experience are required for this role:

• 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,
• You will have 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

·       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.