Retail Credit Administrator

Mercedes-Benz in the UK; Milton Keynes; On-site; GBP 30,000 - 40,000; Full time

Job summary

A leading automotive financial services provider is seeking a Retail Credit Administrator to support the underwriting team in Milton Keynes. The ideal candidate will process credit proposals, conduct fraud checks, and maintain strong relationships with dealers. Excellent communication skills and attention to detail are essential. The company offers competitive salaries, bonuses, and a focus on employee wellbeing and diversity.

Benefits

Competitive salary

Discretionary bonus structure

Access to colleague car schemes

Pension scheme

Flexible benefits pot

Wellbeing resources

Qualifications

• Preferably experience in a similar customer-focused administrative role.
• Clear, concise written and verbal communicator with excellent telephone manner.
• Self-motivated with the ability to work within a pressurized environment.

Responsibilities

• Support the Retail Credit Underwriting team in underwriting services.
• Monitor the retail credit queue for swift proposal processing.
• Perform fraud detection and security checks on applications.

Skills

Attention to detail

Communication skills

Customer service experience

Understanding of finance industry legislation

Education

GCSE or equivalent in English Language and Mathematics

Tools

Phoenix

e-POS

Goldmine

SAP

Word

Excel

Job description

Job Title: Retail Credit Administrator

Closing Date: 13 January 2026

About Us

At Mercedes-Benz Financial Services, our employees are at the heart of our business. Our colleagues provide a range of financial solutions designed around the changing needs of our diverse customers. It doesn’t matter the colour of your skin, the beliefs you value, the people you love or the tattoos you wear, we support you for being you.

Through the doors of Mercedes-Benz Financial Services, you will find a passionate team working to support our customers and our colleagues. We ensure that everyone has an equal opportunity to learn and develop.

We want to celebrate your individuality, embrace your personality and welcome you into our culture. It’s the differences of our colleagues that enable us to thrive. We believe our backgrounds, skills and cultures contribute to our shared culture and help us deliver outstanding Customer Experience. Inclusion is the driving force behind our ethos.

At MBFS, we are committed to being a Menopause Friendly Employer. We offer wellbeing support options and resources to assist if you are directly affected by the Menopause, or are supporting someone who is going through the Menopause.

How You’ll Play Your Part

In this role, you will support the Retail Credit Underwriting team in the provision of an efficient and empathetic underwriting service to the dealer network by acting as a support administrator and product specialist.

Main Accountabilities

• Monitor the retail credit queue to ensure that where possible, proposals are returned to the dealers quickly, efficiently and within pre‑agreed SLAs. Analyse all aspects of credit proposals taking into account credit and asset risk and where necessary make direct contact with customers and professional bodies to obtain further information to support the decision‑making process.
• Take responsibility for processing retail credit proposals through the Proposal Management System (Subject, Bank Validation, Open Banking and CRA check) within agreed timescales and defined authority levels.
• Ensure all completed Open Banking returns, or full manual PDF bank statements are documented accurately, the affordability calculator updated in‑line with verified amounts, and any vulnerable or fraudulent transactions are reported to the relevant Retail Credit Underwriter or Team Leader.
• Provide support to the Underwriting team by performing additional manual searches, internet‑based searches and to obtain any further information as requested by the Underwriters to support the decision‑making process. Monitor incoming additional information, review for completeness and work with the relevant underwriter in an efficient manner.
• Respond efficiently and professionally to incoming calls from Agents regarding underwriting queries. Develop, manage and maintain a positive and professional business relationship with Agents and MBFS Sales personnel to facilitate achievement of departmental and company objectives. Confidently communicate rejection decisions to dealership staff whilst adhering to Data Protection Law. Where necessary, advise dealers of additional information or improved terms required to advance an application.
• Fraud Detection: To carry out security checks with potential customers for the purposes of information gathering to verify the application, carry out Hunter and/or CIFAS fraud checks.

About You

• GCSE or equivalent English Language and Mathematics is preferable.
• Experience in a similar customer focused administrative role.
• Keen eye for accuracy and attention to detail.
• Clear, concise written and verbal communicator with excellent telephone manner.
• General understanding of finance industry legislation including Data Protection Act, Consumer Credit Act and Anti‑Money Laundering.
• Preferably some knowledge of MBFS product portfolio, procedures and systems (Phoenix, e‑POS, Goldmine, SAP, Word, Excel).
• Self‑motivated with the ability to work within a pressurised environment whilst maintaining focus on personal, departmental and company objectives.

What’s in it for you?

We’ll offer you a competitive salary and discretionary bonus structure. We also hope you’ll love our products as much as we do, with access to our colleague car schemes. On top of that, you’ll be able to join our pension scheme and you’ll get a flexible benefit pot that can be used to find the benefits that are right for you.

We’re here to support you – we offer access to colleague wellbeing resources, including an Employee Assistance Programme, Mental Health First Aiders and the Inclusion Advocates as well as flexible opportunities to support work life balance. We’ll also encourage your development, with the training and knowledge you need to reach your potential.

Through the doors of Mercedes-Benz Financial Services, you’ll find a passionate team working to put our customers first. We know that to keep this team motivated, we need to ensure that everyone has equal opportunity to learn and develop. We celebrate a culture of appreciation and respect, where everyone is valued for who they are. We believe our backgrounds, experiences and cultures contribute to our shared experience and shape who we are and what we do. The diversity of our colleagues reflects the diversity of our customers. This diversity is the driving force behind our ideas.

What’s next?

Please apply online via Taleo. Remember to include a copy of your CV too. You’ll be asked a series of questions through the online application process, including one seeking confirmation that you have discussed your application for this position with your Line Manager. The Mercedes-Benz recruitment process reflects our obligations under relevant UK legislation. Whilst all applications from across Mercedes-Benz and Daimler globally are carefully considered, unless otherwise stated, we are only able to progress applications from candidates who have the right to work in the United Kingdom.

Please be assured that we’re here to support you throughout the recruitment process and beyond, and reasonable adjustments are available to any candidates who need them. We’re also open to working flexibly and are happy to discuss flexible working options.

Managing your data

We care about your personal data. The General Data Protection Regulation provides you with more control and by submitting an application to us, we consider this to be an agreement to process your personal data in support of our recruitment and selection process.

Data categories that we process in relation to your application are the ones that you provided as part of the application process. We process your personal data in relation to the application, in accordance with the legal requirements. Recipients of your personal data within our company are the managers of the specialist unit in charge of filling the position and the responsible colleagues from HR.

Your application data is held within our secure application tracking system called Taleo – you’ll be given access to a candidate zone in this system where you can monitor and manage your application and see status updates. We will communicate with you, by email or phone throughout the recruitment process so that we can keep you updated and inform you of your progress through the recruitment process. You can also seek ‘job alerts’ once you are registered in Taleo and it’s possible your details may be returned in searches we conduct for new positions and we may contact you by email to let you know about them. We limit the storage of your data to the necessary period. Contact us at [e-mail] for further information.

If you have any questions about any matter relating to data protection or the personal data that we process about you for the purpose of personnel recruiting, please contact the Chief Officer of Corporate Data Protection for the Mercedes-Benz Group AG at the following address: Mercedes-Benz Group AG, HPC E600, 70546 Stuttgart, [e-mail].

Group

Mercedes-Benz Group AG

Organization

Mercedes-Benz Financial Services UK Limited