Cash Operations Associate

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:You will be responsible for the accurate processing, allocation, and reconciliation of customer funds across a range of payment methods and currencies. The role supports both Commercial and Retail banking operations by ensuring payments are processed efficiently, customer accounts are maintained accurately, and daily reconciliations are completed within strict deadlines.This opportunity is particularly well suited to someone who is organised, methodical, and takes genuine pride in delivering accurate work. The successful individual will have a strong sense of ownership, understand the importance of attention to detail when handling customer funds, and be able to remain focused and dependable in a fast-paced operational environment.You will also be involved in investigating outstanding payment issues, resolving unreconciled items, and working closely with colleagues across the business to ensure queries are addressed promptly. As such, it would suit someone who is naturally analytical and curious, enjoys problem-solving, and is motivated to get to the root cause of issues rather than simply escalating them.A proactive mindset is important, as Cash Operations colleagues are expected to identify opportunities to improve processes and controls while maintaining high standards of operational risk management and regulatory compliance.Strong communication skills, a collaborative approach, and the ability to prioritise competing demands are equally important, as the role requires effective teamwork and a commitment to delivering positive outcomes for both customers and the wider businessRequirementsDF Capital are 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.Other duties may be assigned outside of the following duties and responsibilities:Ensure accurate application and allocation of funds onto customer accounts, including processing of Direct Debits, Faster Payments, Chaps, Bacs and Cheque payments across multiple currenciesMeet the intra-day deadlines for tasks set out by the Cash Operations Manager Process payments out of our bank accounts for our customers across the Commercial and Retail branches following requests for funding or return of fundsReconcile between our core system and our bank accounts ensuring balances are correct on a daily basis and liaising with the wider business to resolve any outstanding issuesInvestigating unapplied payments and chasing for timely responses from the relevant stakeholders in order to minimise the amount we are holdingParticipate in cross-functional projects and initiatives, providing support and operational insight where requiredFull working knowledge and adherence to all SOPs necessary to complete tasks required for effective delivery of department objectivesAny other task requested by line manager that is required to assist in the smooth running of the department and necessary to meet customer needsIdentify opportunities to improve processes, controls and efficiency within the Cash Operations functionRequirements Good analytical and problem-solving skills Keen eye for detail Ability to prioritise and manage workload Self-motivated and enthusiastic Detail and process-orientated with a focus on accurate, timely outcomes Ability to operate and help motivate in a team-orientated environment Able to analyse information, identify root causes and make sound operational decisions Understanding of the importance of operational controls, risk management and regulatory complianceBenefitsPrivate medical insurance for you and your partner10% 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 schemeTax efficient salary sacrifice scheme to obtain bicycles and electric vehicles4 days of paid Volunteering leave to support our local communitiesVibrant office location in the lively city centre of Manchester