Regulatory Reporting Analyst

Regulatory Reporting and Stress Testing Analyst We are DF Capital, a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses in the UK and Europe. We connect with customers by combining the agility of a specialist lender with the security and standards of a regulated bank. As a Regulatory Reporting and Stress Testing Analyst you will support the Head of Regulatory Reporting, Capital Management and Stress Testing and the Director of Capital Management and Regulatory Reporting.

Your role will involve developing expertise in regulatory reporting (PRA, BOE, FCA), capital management and stress testing. Over time you will become an SME and key part of the Finance function, delivering accurate reporting and supporting governance and MI. Responsibilities Produce timely and accurate external regulatory reporting submissions and internal MI, including LCR, PRA110, FINREP, CoREP, Bank of England statistical reporting and ALCo reporting.

Review and challenge data inputs and outputs, perform detailed quality checks and validation to ensure regulatory information is prepared accurately, consistently and in line with internal standards and external requirements. Support and strengthen a robust control environment through the development and maintenance of interpretation guidance, standard operating procedures and working files. Support the delivery of key regulatory projects and change, including the Bank's transition to the SDDT capital regime and the implementation of new regulatory requirements.

Support the review and implementation of new products, including reporting requirements and key metric impacts (capital and liquidity ratios). Support performing stress testing analysis for the ICAAP, Recovery Plan and Solvent Exit Analysis as well as ad-hoc stress testing. Support the preparation of stress testing working papers summarising model outputs and maintaining process 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, identify and elevate anomalies or emerging trends, maintain documentation and support periodic information request and data collection exercises. Provide senior management with analysis and recommendations on capital optimisation, dividend strategy, lending growth, and RWA efficiency.

Collaborate with teams across the Bank to maintain high standards of assurance and review over regulatory returns and stress testing. Monitor adherence to regulations, standards and internal reporting policies. Support the wider Finance team in the preparation of ad‑hoc MI as required.

Qualifications 2+ years of experience in financial or regulatory reporting, ideally within a bank or similar institution. Strong attention to detail and focus on delivering high‑quality, controlled end‑to‑end processes. Excellent analytical and problem‑solving skills, with the ability to investigate and resolve complex issues and analyse large data sets to derive meaningful insights.

Excellent organisational skills and the proven ability to deliver and meet tight deadlines under pressure. Competent user of Microsoft Office, in particular Excel and Word. Can‑do and continuous improvement mindset.

Clear communicator who can translate technical concepts to senior members of the team. Proactive and forward‑looking, able to anticipate regulatory change. Acts with integrity and commitment to a robust control environment.

Nice to have Knowledge of the UK banking regulatory framework, capital, or liquidity. Professional qualification (or actively working towards): ACA, ACCA, CIMA, CFA, FRM, ACT or equivalent. Benefits Private medical insurance for you 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 local communities. Vibrant office location in the lively city centre of Manchester. #J-18808-Ljbffr