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* * LOCATION: Milton Keynes with occasional travel 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. CONTRACT TYPE: Permanent opportunity CLOSING DATE: 15/5/26 We reserve the right to close the advert earlier If we receive a high volume of applications. We’re looking for a highly experienced and inspirational commercial leader with a significant sales based background within a Captive Automotive Financial Services organisation and/or OEM. You'll report into our CEO and will drive our business forward through our teams in Sales, Sales Compliance and Development and, through strong, productive relationships across Volkswagen Group, our dealer network and brands. In this pivotal and influential position you will use your extensive commercial leadership skills to develop and deliver the Retail Sales strategy to maximise distribution channels, while creating opportunities and optimising new routes to market. You will role model our Guiding Principles, build a culture of psychological safety and inclusion and, provide ethical leadership to deliver great customer outcomes. What you’ll bring: You’ll be a forward thinking, strategic and motivational leader who delivers results through people, cross-functional teams, and 3rd parties to support the delivery of volume, breadth, and profit objectives. You’ll have a progressive and developmental mindset with demonstrable experience of developing strategic commercial initiatives. Essential experience & skills you’ll need to be a success in this role: • You have extensive experience in customer-facing environments with specific skills implementing and managing risk strategies, strong financial management, leading cross functional teams and functional management., • Through your experience of developing and managing customer facing processes, you have ensured fair treatment, transparency, value to customers and all other guidance from regulators has been accomplished., • More generally, you’ll have experience within regulated environments - ideally by the FCA along with a deep understanding of the UK business governance and regulatory regime and requirements implementation com pliance monitoring and management specifically, in organisations of a comparable size and scale., • You have successfully driven change and you're comfortable in dynamic, changing environments in a leading role., • You have well-developed emotional intelligence, influencing and communication skills which you can use to share information, listen, and create two-way dialogue that builds openness and commitment and, involve others to maximise contribution overall., • With great skills of analysis, you can interpret issues objectively to make sound decisions for the business that uphold our customer needs and good customer outcomes as a priority, • You are highly proactive, flexible, pragmatic, and able to react appropriately and effectively to changing circumstances and demands., • You'll effortlessly fit into the Commercial leadership structure with the potential for growth within FS or the OEM., • You’re collaborative and ambitious and work in the interest of customer and stakeholders, even when your own objectives are challenged., • You’ll report to the Chief Executive Officer for VWFS UK Ltd and lead the Retail Sales department and the teams responsible for Finance Sales, Sales Compliance, Sales Development and Dealer Network Oversight., • You’ll be responsible for developing sales strategies, policies, and procedures for the UK VWFS Group companies., • Develop and maintain strong productive relationships across senior management, departments, brands and key stakeholders., • Your span of control is across VWFS UK, VW Bank GmbH and compliance is required across the European Organisational Handbook (E-OHB), the FCA and the European Central Bank (ECB)., • You’ll have a team of circa. 50 people who work with our dealer network of circa. 800 sites to drive FS and network performance., • Be an agent for change by embracing new ways of working, innovative technologies and agile attitudes to work promoting ‘minimal viable everything’ attitude to encourage a collective growth mind-set in support of modernisation of the business., • You’ll develop and implement plans to meet objectives through existing and new routes to market by utilising current and, establishing new relationships with 3rd party retailers, emerging technology, and tech providers., • Plan and deliver sales, margin and market penetration objectives., • Lead sales activity that complies with internal and external regulations with the Consumer Credit Sourcebook (CONC) taking precedence over conflicting guidelines – this includes Vulnerable customers, product suitability and transparency and, behaviours and competence of introducers of our products., • Use strong negotiation skills with our network and 3rd parties, to grow sales, protect margin and support good customer outcomes., • Effectively manage introducer relationships through a robust communication infrastructure, clear performance indicators, and development with corrective action in place as appropriate., • Lead the sales engagement with our Enterprise Risk Framework and develop robust and effective reporting to support transparency with regulators., • You’ll engage and cooperate with VW companies in the UK to coordinate and implement joint strategies and build and maintain an effective industry network., • You’ll play a leading role within our Credit Assessment & Retailer Services functions. What’s in it for you? Bonus: Discretionary on-target bonus of up to 25% (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 and fuel card. 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/ and your family 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. The Retail Sales Director is a ‘Certified’ /Senior Manager role under the Senior Manager and Certification Regime (SMCR) and the role holder is required to comply with the FCA’s Conduct Rules. A mandatory requirement of the SMCR is for VWFS to certify that the role holder is fit and proper to perform the duties on an ongoing basis.

Relationship Manager - Commercial & SME Banking Location: South London (Fully Office-Based) Salary: £45,000-£50,000 per annum About the Role We are seeking an experienced Relationship Manager to join our Branch Banking team. This role focuses on driving profitable growth by providing high-quality relationship management to Commercial and SME clients. You will own a designated portfolio, manage credit needs, identify new opportunities, and ensure exceptional customer outcomes. This is a key position for an ambitious banking professional who can balance portfolio growth with robust risk awareness, early warning identification, and strong adherence to regulatory standards. Key Responsibilities Customer & Portfolio Management Manage and grow a portfolio of Commercial/SME clients. Conduct regular customer meetings, networking, and business development activities. Ensure all customer interactions follow TCF (Treating Customers Fairly) guidelines. Handle targeted account opening volumes and refer clients for Trade, FX, or Islamic banking products where appropriate. Commercial Growth Achieve asset and deposit growth targets for the branch. Prepare and negotiate customer credit proposals. Submit credit papers and account-opening documents to internal approval teams. Support the disbursement of lending in line with business objectives. Control & Compliance Manage credit renewals in accordance wi...

Work with the General Manager and Managing Director to establish credit limits for new and existing customers. Be fully responsible for all credit control aspects of the business and ensure that monies are received within terms. Working as an integral part of the team and a key player in assisting t

The successful candidate will work closely with the Credit Control Manager, Sales teams, and customers to enhance credit processes. A leading advertising company in Brentford is looking for a Credit Control role focused on optimising cash flow and minimising bad debt. Strong Excel skills, knowledge

A fantastic opportunity has arisen for an experienced Credit Controller to join a well-established UK market leader operating within a franchised network model. This role sits within the central finance function and plays a key part in supporting a nationwide network of franchise partners. Working closely with the Central Billing Manager, you'll take ownership of credit control activities across national and network accounts, helping to maintain strong cashflow while building trusted relationships with internal and external stakeholders. The Role You'll be responsible for the end-to-end management of customer accounts, combining day-to-day debt collection with month-end responsibilities in a fast-paced, structured environment. Key duties include: Proactive daily chasing of outstanding debt and resolution of both simple and complex queries Collecting debt on behalf of franchise partners for national and network accounts Cash allocation duties including bank statement processing and cashbook maintenance Processing customer card payments via the invoicing system Daily invoice release, ensuring accuracy of pricing and order references (PDF & EDI) Issuing monthly customer statements (PDF/Excel) Acting as a key point of contact for franchisees regarding debt collection Supporting accounts payable with regular payment runs and remittance advice Ad-hoc finance support as required✅ About You Minimum 2 years' experience in Credit Control Confident working with finance systems and ERP platforms (NetSuite highly desirable) Strong Excel skills and solid Microsoft Office knowledge Detail-focused with excellent problem-solving ability Highly organised, proactive, and comfortable working to tight deadlines Strong communication skills with the confidence to manage stakeholder relationships⭐ Why Apply? Join a stable, growing market leader High-visibility role within a collaborative finance team Exposure to a unique franchised business model Opportunity to add real value and develop long-term Interested? Apply directly or message for a confidential conversation. By applying you will be registered as a candidate with Marc Daniels Specialist Recruitment Limited. Our Privacy Policy is available on our website and explains how we will use your personal data. Marc Daniels Recruitment - Finance & Accounting Specialists

The Relationship manager is primarily responsible for driving profitable volume growth through value-added sales and service of Commercial / SME customers. They target and manage an assigned portfolio of customers within the commercial credit business segments. The key challenge in this role is to manage both existing portfolios and grow new corporate relationships, while identifying early warning signs that could affect portfolio health. Tasks and Responsibilities You are required to comply at all times with your contract of employment and all policies, procedures, rules, handbook, and similar documents applicable to you as an employee of Habib Bank Zurich Plc. As a certified person, you should have particular regard to the following responsibilities: Balanced Scorecard Responsibilities Application of the balanced scorecard approach within the branch, establishing strong processes around Customer, Colleague, Control, and Commercial. Colleague Objectives Coaching and training RM/RSOs, ensuring all KPIs are managed as per the business scorecard Providing Quality Assurance support with stakeholder units Preparing and presenting cases to the Country Credit Committee Maintaining robust personal diary management Driving employee engagement and adherence to HBZ behaviors modelCustomer Objectives Portfolio management of branches and adherence to TCF guidelines Customer networking and managing client appointments Trade & FX referrals to the business Sirat referrals for clients seeking Islamic Banking solutions Achieving targeted account opening volumesCommercial Objectives Delivering targeted asset growth of the branch balance sheet Delivering targeted deposit growth of the branch balance sheet Negotiating client proposals for assets and deposits Submitting proposals to internal credit and account opening teams Disbursing lending in accordance with branch targetsControl Objectives Managing credit renewals within bank policy and timescales Ensuring compliance entries and transactions are monitored in line with policy Completing Enhanced Due Diligence within required timescales Monitoring excesses on key accounts and managing all KRIs Ensuring SLAs for account openings are met in line with business policyBranch / HoBB Support Activities Supporting RM/RSOs with complex credit case enquiries as a subject matter expert (not case checker)Assisting HoBB with MI, meeting administration, minutes, and ad hoc presentations Engaging with branch champion activities (e.g. moratorium projects, rota planning)Championing MI for the branch and supporting data analysis Acting as a point of reference for new interns for project support and training