Prudential Risk Senior Manager

OVERVIEW

At DF Capital, we champion banking for ambition. As an award-winning provider of consumer finance, commercial finance and savings, we empower our customers with financial solutions tailored to fuel their growth and ambitions. Headquartered in Manchester, our team of over 130, serves thousands of customers across the UK

We’re passionate about helping our customers succeed. As we expand our retail and commercial lending products, we remain committed to meeting their evolving needs and supporting their ambitions every step of the way.

OUR STORY

Founded in 2016, DF Capital was born with a focus on distribution finance - providing dealers, distributors, and manufacturers with the funding they need to stock, display, and sell products, without straining cash flow.

Since then, we’ve delivered over £3.5bn of funding across diverse sectors. From motorhomes and machinery to motorbikes and lodges, we’ve financed all shapes and sizes of commercial vehicles and automobiles (no planes or trains - yet). We listed on the Alternative Investment Market of the London Stock Exchange in 2019.

BECOMING A BANK

In 2020, we became a fully authorised bank, extending our offering with savings products for retail depositors. We’re proud of our strong customer service, consistently achieving high satisfaction scores - like our current average rating of 4.8/5 from 1,200+ reviews, which also earned us a Platinum Trusted Service Award.

In March 2025 we were given permission to lend to consumers and we wrote our consumer business in May 2025.  So, the deposits we’re entrusted with fuel UK businesses through our commercial lending, and UK consumers through our asset finance products creating a virtuous cycle of growth.

WHERE WE’RE HEADED

Our goal is simple: to be the best bank - for our customers and each other. We put customer needs first, continuously looking to improve our proposition on their feedback. We aim to help more customers in more ways while continuing to deliver exceptional service.

How do we achieve this? By hiring people who care deeply about doing the right thing, we’ve been recognised as ‘World Class to Work For’ by Best Companies, and we're proud of our inclusive, sustainable, and progressive workplace.

WHAT WE’RE LOOKING FOR

 We are entering another exciting chapter of the DF Capital story, as we look to turbo-charge our ambitions and significantly scale the business. If you're passionate about providing great customer experiences, developing great propositions and want to be part of building a winning and positive sales culture, then we want to hear from you.

OUR CULTURE

DF Capital is a very special place to work. We have an amazing team who commit themselves each and every day to bring our ambitious growth plans to life. We’ve achieved much on our journey so far, but I believe we have our best days ahead of us.

We’ve established a unique culture that is built on a virtuous circle where engaged and empowered employees who are powered by a shared purpose deliver great outcomes for our customers, our communities, the environment and ultimately our shareholders. This is why we are rated a world class place to work and are amongst the best companies to work for in the UK.

THE ROLE

The Prudential Risk Senior Manager will be responsible for assisting the CRO in overseeing the bank’s prudential risks, which include capital, liquidity and funding, and partnering Finance and Treasury to ensure that effective controls are in place to identify, manage, and monitor those risks.

This is a second-line role reporting to the Chief Risk Officer (CRO), partnering the CFO area and identifying and managing risks associated with DF Capital’s strategy and business plans.

RESPONSIBILITIES AND DUTIES

DF Capital is passionate about providing employees with the right training and support to help them excel in their roles and future careers. We are confident that an applicant with the right attitude and drive will succeed in this role. The ideal candidate will have had exposure to both capital and liquidity, but someone with strong, practical experience of only one of these should not be but off, as the CRO has strong technical experience and is willing to coach the candidate if they possess independent thinking, a can do attitude and want to positively contribute to the business. The role offers broad exposure to entities, issues and both working capital and consumer finance. Duties include:

·       2LOD oversight of capital, liquidity and funding risk;

·       Supporting the implementation, embedding, and continuous development of DF Capital’s Risk Management Framework;

·       Contributing to the definition and ongoing calibration of capital, liquidity and IRRBB risk appetites;

·       Second line review and challenge of the firm’s ICAAP, ILAAP, Recovery Plan, Resolution Pack, and the bank and retail entities’ Solvent Wind-down Plans;

·       Supporting horizon scanning of emerging risks;

·       Leading the second line review and challenge of regulatory reporting;

·       Monitoring new developments in prudential regulation;

• Assisting with the design, documentation, and operation of second line oversight processes that support the Risk Management Framework;
• Supporting the preparation of reports detailing key findings from second line reviews, any systemic risk issues and common themes, and prescribing appropriate, relevant and pragmatic corrective actions; and

·       Preparing and developing second line risk and compliance Management Information (MI) including regular reporting to senior management and committees, such as on risk appetite monitoring.

• Strong knowledge of prudential risk management and prudential regulation (PRA);
• Experience of drafting or reviewing an ICAAP or ILAAP;
• Experience working in a risk function at a bank or relevant consultancy experience or experience working at the regulator;
• Highly numerate, with strong attention to detail and excellent analytical skills, including strong Excel skills;
• Ability to think creatively, problem solver;
• Strong planning and organisational skills;
• Ability to communicate your ideas clearly through presentations and risk reports.

• 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
• 4 days of paid Volunteering leave to support our local communities
• Vibrant office location in the lively city centre of Manchester