Portfolio Monitoring 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 non-standard or in trial, 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.