Portfolio Monitoring Manager

About Us:

We’re DF Capital, a specialist savings and commercial lending bank built to serve the needs of individuals and businesses in the UK. From straightforward savings to practical commercial finance solutions, our aim is to provide first-class customer service to help manage and grow businesses or consumer savings.

We are entering another exciting chapter of the DF Capital story as we look to accelerate our ambitions and significantly scale the business.

Why others choose DF Capital:

We aim to provide an inclusive, progressive, and sustainable environment where our employees thrive.

Having engaged employees who enjoy what they do is the key ingredient for us to deliver on our strategic ambitions.

As a team, we are focused on delivering growth and ensuring that we collectively act sustainably.

Fostering a positive culture across the firm, making sure our employees feel valued for their contribution, and keeping them safe and well are critical to us.

We see ourselves as a progressive employer that has clear structures and many opportunities for our employees to build their own careers by providing our people with the right training and support to help them excel in their roles and future careers.

We believe having great people in our team, who work hard and put our customers’ needs first, is a differentiator and builds depth of relationship, repeat business, and customer loyalty.

We are confident that an applicant with the right attitude and drive will succeed in this role.

Your day-to-day

We are a fast-paced and dynamic company that values innovation, teamwork, and excellence.

Our Credit & Portfolio team sits at the heart of the business, overseeing all aspects of the customer journey from onboarding to recovery.

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.

Specifically, you will be responsible for:

• Working with the Management Information team to build, maintain and evolve an effective Dealer-Level and Vendor-Level Early Warning Indication (EWI) suite.
• Using the EWI suite, you will complete comprehensive reviews to identify potential issues at the earliest opportunity.
• You will work 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 including, but not limit to, forbearance agreements.
• 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.
• Advise on the ongoing portfolio risk monitoring of specialist products at the point of origination, implement and maintain the monitoring regime for such facilities, escalating issues as appropriate.
• Deputise for Head of Portfolio Monitoring & Specialist Management and Collections and Recoveries Manager as required.
• Assist with the management of risk around the business via adherence to operational systems and processes at all times.
• Engender a positive and professional working environment that engages customers to ensure customer retention and thus maximise opportunities at all times.

Requirements

You should apply if:

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. The following skills and experience are required for this role:

Must possess the required proficiency to perform essential tasks.

You will ideally have experience of:

• Lending to Commercial customers across a variety of product types
• 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 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 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.