Regulatory Reporting Analyst

DF Capital; Manchester; On-site; GBP 42,000 - 64,000; Full time

Benefits offered by this job

Private medical insurance

Pension contributions 10%

Volunteer leave (4 days)

Job summary

DF Capital in Manchester is seeking a Regulatory Reporting and Stress Testing Analyst to support the Head of Regulatory Reporting, Capital Management and Stress Testing and the Director of Capital Management. You will develop expertise in PRA, BOE, FCA reporting, capital planning, ICAAP, and related governance, working with senior finance stakeholders.

This role offers training, exposure to regulatory projects, and a path to SME in a growing financial services group.

Qualifications

• 2+ years of experience in financial or regulatory reporting.
• Excellent attention to detail and ability to deliver high-quality end-to-end processes.
• Excellent analytical and problem-solving skills with the ability to analyse large data sets.
• Excellent organizational skills and the ability to meet tight deadlines under pressure.
• Proactive and forward-looking with the ability to anticipate regulatory changes.
• Acts with integrity and contributes to a robust control environment.

Responsibilities

• Regulatory Reporting: produce timely external regulatory submissions and internal MI such as LCR, PRA110, FINREP, CoREP, and BoE reporting.
• Review data inputs and outputs, perform quality checks and validation to ensure accuracy and consistency.
• Support and strengthen a robust control environment with guidance, SOPs and working files.
• Assist in delivering regulatory projects and changes, including transitions to new capital regimes and new requirements.
• Support review/implementation of new products, including reporting requirements and key metrics.

Skills

Regulatory reporting

Stress testing

Capital management

Data analysis

Attention to detail

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.

TheRegulatory Reporting and Stress Testing Analystplays acriticalsupportive role to ourboth ourHead of Regulatory Reporting, Capital Management and Stress Testingand theDirector of Capital Management and Regulatory Reporting.

We are looking for an individual that hasan interest in developing their knowledgeandexpertiseacross the following key areas:

• Regulatory Reporting: Prudential Regulation Authority (PRA), Bank of England (BOE)and the Financial Conduct authority (FCA);

• Capital Management

• Stress Testing

Over timeyou will becomean SME and key part of the Finance function in deliveringaccurateandtimelyRegulatoryReporting for the DF Capital Group,along with supporting the wider finance team in ensuring the highest quality of Governance and MI requirements.

This is a fantastic opportunity for an ambitious individual to gain broad experiencein aspecialisedarea of Financial Services, where you will have opportunity to work directly alongside some of our Senior Financeand wider businessstakeholders.

DF Capital are passionate about providing employees with the right trainingand developmentto 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.

Whatyou’llbe doing:

Regulatory Reporting

• Producingtimelyandaccurateexternal regulatory reportingsubmissionsand internalMI,includingLCR, PRA110, FINREP,CoREP,Bank of England statistical reportingandALCoreporting;

• Reviewing and challenging data inputs and outputs, performing detailed quality checks and validation to ensure regulatory information is prepared accurately, consistently and in line with internal standards and externalrequirements;

• Supportingandstrengtheninga robust controlenvironment through thedevelopment and maintenanceof interpretation guidance, standard operatingprocedures and working files;

• Supporting the delivery ofkeyregulatory projects and change, including the Bank’s transition tothe SDDTcapital regime andthe implementation ofnew regulatoryrequirements;

• Supporting the review and implementation of new products, including reporting requirements and key metric impacts(e.g., capital and liquidity ratios)

Stress Testing&Capital Management

• Support performing stress testing analysis for the ICAAP, Recovery Plan and Solvent Exit Analysis as well as ad-hoc stress testing, asrequired.

• Support the preparation of stress testing working paperssummarisingmodel outputsandmaintainingprocess documentation.

• Support with capital forecasting, capital planning buffers, and forward-looking assessments of CET1, Total Capital, leverage ratio, and RWAs.

• Prepare monthly BBB reporting submissions,identifyand elevate anomalies or emerging trends,maintaindocumentation, and support periodic informationrequest and datacollection exercises.

• Support providing senior management with analysis and recommendations on capital optimisation, dividend strategy, lending growth, and RWA efficiency.

Governance & Stakeholder Engagement

• Collaborating with teams acrossthe Bank tomaintainhigh standardsof assurance and reviewoverregulatory returnsandstress testing;

• Monitor adherence to regulations,standardsand internal reporting policies; and

• SupportthewiderFinance team in the preparation ofad hocMIasrequired

Whatyou’llneed:

• 2+ years of experience in financial or regulatory reporting, ideallywithin a Bankor similarinstitution.

• Strongattention to detail andfocus on delivering high-qualityand controlledend-to-endprocesses

• Excellent analyticaland problem-solvingskills,with the ability toinvestigateand resolve complex issues,andtoanalyselarge data sets andcalculationstoderive meaningful insights.

• Excellentorganisationalskills and a proven ability todelivermeet tight deadlines under pressure.

• Competentuserof Microsoft Office, in particular Excel and Word.

• Can-doand continuousimprovementmindset.

• Clearcommunicatorwho candevelop their ability totranslate technical concepts to senior members of the team.

• Proactive and forward-looking,able to develop their ability toanticipateregulatory change.

• Actswith integrity and commitment to a robust control environment.

Niceto have:

• Knowledge of the UK banking regulatory framework, Capital, or Liquidity

• Professional qualification(oractively working towards):ACA, ACCA,CIMA,CFA, FRM, ACT or equivalent.

• Privatemedical insurance foryou and your partner

• 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