Credit Assessment Advisor

Volkswagen Financial Services (UK); Milton Keynes; Hybrid; GBP 25,000 - 30,000; Full time

Benefits offered by this job

Discretionary bonus 10%

Employer pension 9%

Car schemes ECO/BEV

Income protection

Life assurance 4x salary

Retail discount vouchers

Care Concierge

Will writing service

Cycle to work

Job summary

Volkswagen Financial Services (UK) in Milton Keynes is hiring two Credit Assessment Advisors to underwrite finance proposals up to £250,000 and support the Retailer Network with underwriting inquiries.

The role requires careful, compliant decision‑making, collaboration with senior colleagues for high‑value cases, and development of new processes while adhering to Consumer Duty principles and service levels.

Qualifications

• Think out of the box to meet customer outcomes.
• Self-motivated with strong organisational skills.
• Customer-focused and a team player with strong communication.
• Ability to build relationships with Retailers and internal colleagues.
• Strong objection handling to ensure right customer outcomes.
• Ability to influence outcomes.

Responsibilities

• Underwrite finance proposals up to £250,000 in a compliant and responsible manner.
• Refer finance proposals over £250,000 to the mandated colleagues with a recommendation for approval after review.
• Take ownership of Retail lending credit decisions not Auto Approved, applying responsible lending guidelines and Consumer Duty within service levels.
• Develop new processes and procedures to meet changing business requirements with key controls.
• Resolve complex business issues with support from the Team Manager and Senior Credit Assessment Advisors.

Skills

Out-of-the-box thinking

Self-motivated

Organisational skills

Customer-focused

Interpersonal communication

Relationship building

Objection handling

Influencing outcomes

Job description

SALARY: Starting from £27,422 dependant on experience

LOCATION: One Delaware Drive, Milton Keynes

HYBRID WORKING: Our current hybrid working policy requires a minimum of 60% of working time to be based in the Milton Keynes office however flexibility is expected to meet the needs of the business and the role.

HOURS / CONTRACT TYPE: Full Time Fixed Term Contract until October 2027 and Full Time Permanent available - 35 hours per week.

CLOSING DATE: 02/11/2026 We reserve the right to close the advert earlier If we receive a high volume of applications.

We’re looking for two Credit Assessment Advisors to be responsible for underwriting finance proposals up to £250,000 where manual intervention assessment is required.

This specialist role will be instrumental in delivering excellent customer service to the Retailer Network, taking queries and escalations that concern underwriting matters.

What you’ll be doing:

• Underwrite finance proposals up to £250,000 in a compliant and responsible manner.
• Refer finance proposals over £250,000 to the mandated colleagues (Seniors, Team Managers & Specialised Lending Underwriters) with a recommendation for approval after review.
• Take ownership of all Retail lending credit decisions that have not Auto Approved and ensure they are managed and controlled by applying responsible lending guidelines and considering Consumer Duty principles, within the agreed service levels .
• Develop new processes and procedures to meet the changing requirements of the business ensuring key controls and oversight are applied at all times .
• Resolve complex business with support from the Team Manager and Senior Credit Assessment Advisors where required.

What you’ll bring:

You’ll already be experienced within Financial Services with the ability to interpret financial information.

You’ll have a methodical and discipled approached to work.

Essential Experience & Skills

• The ability to think out of the box to consider each customers own personal circumstances to meet good customer outcomes
• Self-motivated with excellent organisational skills and ability to use own initiative.
• Customer focussed and enjoys working as part of a high performing team with excellent interpersonal and communication skills.
• Ability to build strong working relationships at a senior level with Retailers, Sales Development Managers, and Internal colleagues across the business.
• Strong objection handling skills required to ensure right customer outcomes.
• The ability to influence the right outcome at all times.

What’s in it for you?

Bonus: Discretionary 10% on-target bonus (based on personal and Group company performance)

Pension: Employer pension contribution of 9% (based on employee contribution of 3%). VWFS will pay 6% if employee chooses a 2% employee contribution.

Car schemes*: Choice of Employee Car Ownership (ECO) scheme for petrol/diesel and hybrid vehicles plus car insurance

OR Company Car scheme for Battery Electric Vehicles (BEVs) plus car insurance cover for you and a partner/eligible family member.

Other benefits: From day 1 we provide income protection, life assurance (4x salary), retail discount vouchers, access to Care Concierge (a service to support carers of adults), along with other salary sacrifice options including a will writing service and cycle to work (subject to scheme restrictions).

Following successful completion of probation, you will have access to private medical insurance for you (with the option to buy additional family cover), access to our loan car scheme for up to 2 cars for your partner or eligible family members (subject to scheme restrictions) and during our annual benefit window you can purchase critical illness cover and dental cover, so you can select the benefits that matter to you.

We invest in our people and are passionate about driving development. You’ll have access to LinkedIn Learning via our Degreed platform as well as a host of professional development programmes and opportunities to build your technical and soft skills so you can further develop your career. We also offer mentoring schemes and reciprocal partnerships recognising that we can all learn from each other in the flow of work.

Why join VWFS UK?

You’ll have the opportunity to make a difference by helping us to achieve our mission.

Our mission is straight forward; we want to be 'The Key to Mobility'. That means we make getting from A-to-B as easy and simple for as many people as possible. To truly meet the mobility needs of people in a changing world, our offering goes beyond traditional vehicle financing. We do this by providing a range of finance and aftersales products on Volkswagen Group vehicles, as well as developing innovative mobility products designed to solve real problems and support our customers.

No candidate will meet every single desired qualification. If your experience looks a little different from what we've identified and you think you can bring value to the role, we'd love to learn more about you!

VWFS is proud to be an inclusive employer and encourages applications from a diverse range of candidates. Diversity, Equity & Inclusion isn’t just a statement for us, we encourage and aspire for all our colleagues to be their 100% self. If you need any reasonable adjustments to assist you with the application and/or recruitment processes, please contact our Resourcing Team.