Prudential Risk Analyst

Overview
At DF Capital, we champion banking for ambition. As an award-winning provider of commercial finance and savings, we empower depositors and small businesses with financial solutions tailored to fuel their growth. Headquartered in Manchester, our team of over 160, serves thousands of customers across the UK, transforming savings into new opportunities for businesses to thrive.

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. The deposits we receive fuel UK businesses through our commercial lending, 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.

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.

Requirements
DF Capital is seeking a proactive and detail-oriented Prudential Risk Analyst to join our second line Risk & Compliance team. This role offers a unique opportunity to apply and grow your analytical skills in a fast-paced, intellectually stimulating environment. While the primary focus will be on overseeing prudential risks related to capital and liquidity, ensuring that the bank meets its regulatory obligations. You'll work closely with Finance, Treasury, and the wider second line risk team to deliver high-quality risk insights and contribute to the development of robust prudential processes. This involves analysing regulatory frameworks, interpreting financial data, and producing insightful management information to support decision-making. The role also includes challenging and reviewing capital adequacy and liquidity assessments, stress testing and regulatory reporting. Whilst the primary focus will be on prudential risk, you'll also have the chance to contribute across a broad spectrum of risk disciplines, including conduct, compliance, operational, and credit. This role is pivotal in maintaining the bank's risk integrity and regulatory alignment.

Responsibilities And Duties
DF Capital are 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.

Other duties may be assigned outside of the following duties and responsibilities:

Risk Reporting and MI Development

• Collaborate with Finance, Treasury, and Compliance teams to deliver accurate, timely risk reporting including the preparation of second line risk Management Information (MI) for senior leadership and governance committees

Prudential Oversight

• Contribute to the ongoing oversight of key prudential metrics such as capital, liquidity, and interest rate risk
• Assist in second line reviews of ICAAP, ILAAP and other regulatory prudential documents
• Contribute to review and challenge of stress testing and scenario analysis
• Assist in the documentation and execution of second line oversight activities including model reviews, policy assessments, thematic deep dives and control testing
• Provide recommendations to senior management based on second line oversight findings

Regulatory Compliance

• Conduct regulatory gap analysis for the bank's prudential documents
• Participate in periodic second line reviews of regulatory returns
• Assist in monitoring and assessing regulatory developments and their impact on the group's prudential risk profile

Frameworks and controls

• Supporting the embedding, and continuous development of DF Capital's Risk Management Frameworks
• Assist in the development/challenge of risk appetite statements and key risk indicators (KRIs)

While no specific academic qualifications are mandatory for this role, candidates with relevant further education—such as a degree in Finance, Economics, Risk Management, or a related field—or those with experience in financial services are likely to be well-suited and bring valuable insight to the position. We're looking for individuals who are curious, analytical, proactive, and eager to learn. A strong sense of ownership, a collaborative approach, and a genuine interest in risk management will be key to thriving in this role.

An ideal candidate will have the following:

• Highly numerate, with attention to detail and accuracy in data handling and reporting
• Strong qualitative and quantitative analytical mindset with the ability to interpret regulatory text, data, identify trends, and draw meaningful insights
• Organised and self-motivated, capable of managing multiple tasks and meeting deadlines
• Curious and proactive, with a willingness to learn and contribute to a growing risk function
• Collaborative team player, with the ability to build relationships across first and second line functions
• Basic understanding of economic concepts and its practical application
• Proficient in Microsoft Excel, with experience in formulas, pivot tables, and basic data analysis (desirable)
• 12-18 months of experience in prudential risk, regulatory compliance, operational risk, regulatory reporting, treasury or financial risk analysis (desirable)
• A level of understanding of UK prudential regulations and Basel framework (desirable)

Benefits

• Private medical insurance for you
• 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