Graduate Accountant

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.

Your new role:

An excellent opportunity has arisen for a graduate to start their accountancy career in the Finance Team of DF Capital Bank, a growing bank in the heart of Manchester city centre. This role will offer full study support (either ACCA or CIMA) and clear career development over the years.

Although the role will predominantly report to the Financial Controller, it will offer a wide range of finance responsibilities, giving exposure to other areas of finance including FP&A, treasury, and regulatory reporting. This role would suit a proactive, enthusiastic graduate with basic accounting understanding that is looking to gain further finance experience and become a qualified accountant.

DF Capital is a specialist savings and commercial lending banking group which is growing at incredible pace. This combination means the graduate accountant will be encouraged to take on responsibilities, work on their own projects and drive process improvements. In this dynamic environment there will be opportunities to work on ad hoc tasks and collaborate on cross-department initiatives. Throughout comprehensive training, support and mentoring will be available.

Responsibilities & duties:

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

• Managing the accounts payable function, including booking supplier invoices, supplier payments, credit control, supplier queries.
• Managing cash transfer process between company bank accounts.
• Preparing bank reconciliations and other balance sheet reconciliations for multiple reporting entities.
• Reconciliation of lending and deposit portfolios for month end reporting. Engaging with the Operations Team to resolve reconciliation issues.
• Reconciling and managing intercompany balances between subsidiaries of the Group.
• Support the interim and year-end reporting process, compiling audit evidence and resolving queries.
• Assisting with cost centre and project spend reporting.
• Assisting with periodic controls testing and corrective actions.
• Updating process notes, SOPs and other internal documentation.
• Driving improvements to existing finance processes and controls.
• Opportunities to be involved in ad hoc projects with the Finance Team and wider business.

Requirements

• A recent graduate (preferably in Accounting, Finance or Mathematics)
• Excellent attention to detail and proactive nature with problem-solving attitude
• Teamwork mentality and great communication skills (verbal and written)
• Strong planning, administration, and organisational skills
• High numeracy and literacy
• Basic Microsoft Excel skills
• Experience with AI, coding or other automation tools – desirable

Benefits

• Private medical insurance for you and your partner/spouse
• 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