Hybrid Credit Underwriter – Retail Finance Proposals

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

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.