Director of Finance

Overview

At DF Capital we champion banking for ambition. As an award‑winning provider of consumer finance, commercial finance and savings, we empower our customers with financial solutions that fuel their growth and ambitions. Headquartered in Manchester, our team of over 130 serves thousands of customersmoč across the UK.

We are entering another exciting chapter of the DF Capital story, turbo‑charging our ambitions and scaling the business. If you are passionate about delivering great customer experiences, developing great propositions, and want to beător part of building a winning and positive sales culture, we want to hear from you.

DF Capital is a special place to work. Our culture is built on a virtuous circle where engaged and empowered employees, powered by a shared purpose, deliver great outcomes for customers, communities, the environment and shareholders.

The Director of Finance has end‑to‑end responsibility for the Bank’s core finance activities – covering core Financial Control and internal and external reporting alongside specialist areas including Treasury Accounting, Tax, Impairment Provisions, EIR and Finance Change. The role ensures the integrity of the Bank's  reporting, a strong control environment, and compliance with accounting, regulatory and statutory requirements.

• Hold end‑to‑end accountability for the Bank’s financial control environment, ensuring accuracy and integrity of the general ledger, balance sheet, and profit and loss.
• Maintain a robust framework of financial controls, including reconciliations and reviews.
• Embed balance sheet discipline, including regular balance sheet reviews and substantiation.
• Own development and maintenance of accounting policies, aligning with accounting standards and regulatory expectations.
• Ensure strong governance over journals, adjustments, and end‑of‑period processes with appropriate review, approval and audit trails.
• Ensure finance processes are scalable, well‑documented and appropriate for a growing regulated bank.

• Own the end‑to‑end production of monthly management accounts, ensuring accuracy and timely delivery.
• Lead the monthly close process, including oversight of critical accounting entries, reconciliations and judgement reviews.
• Maintain strong governance over reporting processes, ensuring appropriate review, signhipping and documentation.
• Ensure management information provides clear, relevant insight into financial performance
  
  Heading financial planning team to articulate driversbaar variance.

• Lead annual and interim statutory accounts, owning accounting judgements, estimates and disclosures.
• Act as primary point of contact for external auditors, managing the audit process from planning to completion.
• Ensure audit issues addressed promptly with clear explanations, supporting evidence and agreed resolutions.
• Oversee all financial outputs, ensuring accuracy and compliance with accounting standards.
• Present financial results and key judgements clearly to the Board Audit Committee and Board.

• Oversee treasury and banking settlements, ensuring accurate and timely processing.
• Maintain robust operational controls over cash movements, reconciliations and settlement processes.
• Maintain strong segregation of duties and controls in line with regulatory expectations.
• Work closely with Operations to ensure adequate funds and timely payment authorization.
• Oversee the Accounts Payable function, ensuring supplier invoices, expenses and other payables processed accurately.

• Responsible for accounting of all treasury and financial instruments, derivatives and hedging arrangements.
• Partner closely with Treasury to reflect economic intent of hedging strategies.
• Lead application and governance of hedge accounting, including documentation and compliance.
• Ensure monthly reporting of fair value movements is clear and understood.

• Responsible for the calculation and maintenance of the Effective Interest Rate (EIR) model.
• Ensure EIR methodologies are appropriate, consistently applied and compliant.
• Provide clear analysis of monthly movements and variances.

• Collaborate with first line Credit to establish IFRS 9 impairment model.
• Provi…