Prudential Risk Senior Manager 13th January 2026

DF Capital Group

Manchester

Hybrid

GBP 90,000 - 130,000

Full time

7 days ago

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Benefits offered by this job

Private medical insurance for you and

10% Employer pension contribution

30-day annual leave entitlement plus +

Free Gym Membership

Discretionary annual bonus

Discretionary share awards

Life Assurance

Income Protection

Save As You Earn company share acquis

Tax-efficient salary sacrifice scheme

4 days of paid Volunteering leave

Vibrant office location in the lively

Job summary

DF Capital Group in Manchester is seeking a Prudential Risk Senior Manager to support the CRO with oversight of capital, liquidity and funding risks. The role is a second-line function collaborating with Finance and Treasury to ensure strong controls and risk governance across DF Capital's strategy and business plans.

The successful candidate will bring deep knowledge of PRA prudential regulation, experience drafting ICAAP/ILAAP, and the ability to translate complex risk insights into clear MI

Qualifications

Strong knowledge of prudential risk management and PRA regulations.
Experience drafting or reviewing ICAAP or ILAAP.
Experience in a bank risk function or regulator environment.
Excellent analytical and reporting skills, with advanced Excel.

Responsibilities

2LOD oversight of capital, liquidity and funding risk.
Support the Risk Management Framework implementation and development.
Calibrate capital, liquidity and IRRBB risk appetites.
Second line review of ICAAP, ILAAP, Recovery Plans, and related documents.
Horizon-scanning of emerging risks.
Lead second line regulatory reporting reviews.
Monitor developments in prudential regulation.
Design and operate second line oversight processes.
Prepare reports with key findings and corrective actions.
Provide risk MI to senior management and committees.

Skills

Prudential risk management

PRA regulations

Analytical skills

Communication skills

Tools

Excel

Job description

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.

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.