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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.

Intelligence Support Officer Leek Wootton Permanent Contract Full Time Salary £30,333.00 - £32,613.00 Those currently eligible on the redeployment register will be given prior consideration. The main purpose of the role is to process intelligence reports, employ effective decision making by interpreting and applying local guidelines and national practice in accordance with APP (Authorised Professional Practice). To oversee and co-ordinate on-going learning support to those engaged in submitting and processing intelligence. Main Responsibilities: To effectively assess and evaluate intelligence reports (including secure intelligence), incoming emails and requests, prioritising in accordance with approved professional practice (APP), providing grounds for rejecting/returning intelligence reports, supporting decision with a sound rationale. Identify threat, risk of harm and opportunity for interventions, and to escalate intelligence to the appropriate person promptly for further action which includes support to operations and live-time operational activities. Interrogate a range of systems to aid decision making through effective research, including to verify and cross-reference validity of information to identify and communicate links between different pieces of information. Identify and disseminate intelligence / information in line with policing purpose and national standards, to support ongoing operations and aid with achievement of forces policing objectives. Stay up-to-date with current intelligence strategies, including the process of sanitising, linking, flagging, ensuring the quality of data, disseminating intelligence effectively, embedding an appropriate security ethos in the day to day processing and management of intelligence. To coach submitting officers and new in post intelligence support officers by identifying efficient and effective practice, supporting the learning of others, thereby improving Intelligence Support Officer – October 2022 2 intelligence outcomes. Adhere to all relevant legal frameworks, key working principles, policies and guidance including Data Protection Act, Management of Police Information and National Decision Model. Collection, assimilation and presentation of performance information including quality assurance checks on intelligence processed. To undertake other duties commensurate with the nature, level of responsibility and grading of this post, as required. Knowledge: Educated to A level or equivalent. 5 A-C Grade GCSEs (or equivalent) including Maths and English. Broad understanding of the application of National Intelligence Model (NIM). Knowledge in relevant legislation, policy, and guidelines (e.g. Intelligence, APP, Freedom of Information Act, MoPI, GDPR, DPA, ECHR). Knowledge of associated issues and risks to policing and other government agencies Experience: Experience of researching, interpreting and collating complex information and demonstrating thorough attention to detail. Previous experience in providing coaching and supportive feedback. Ability to prioritise and plan own work, manage own time effectively to meet objectives and deadlines, acting on own judgement. Undertake College of Policing Intelligence Professionalisation Programme (IPP) Certification (to complete within 12 months of appointment). Key Skills: Ability to analyse, assimilate and record complex information, interpret and apply legislation / policy and make informed decisions. Good communication skills with the ability to listen to others and transmit and receive information effectively. Ability to demonstrate and maintain high standards of discretion, integrity and confidentiality. Skilled in the use of use standard IT packages, systems and/or databases to enter, record, and retrieve information effectively. We want our organisation to be as diverse as the community it serves. We welcome applicants from all sections of the community. You will be required as part of Warwickshire Police recruitment process to successfully complete vetting and credit checks. We support the “Happy to talk flexible working” campaign, which aims to encourage uptake of flexible working for individuals, the flexible working options that may be considered for this role include; Compressed Hours

Estates and Facilities Contract Manager Leek Wootton Permanent Contract Full Time Salary £43,668.00 - £49,716.00 Those currently eligible on the redeployment register will be given prior consideration. The main purpose of the role is to manage and oversee facilities and estates related contracts, ensuring that services such as maintenance, cleaning, grounds works and security are delivered efficiently on time, and within budget. The role includes contract negotiation, performance monitoring, financial oversight, and forward planning to support the organisation’s operational and compliance needs. Main Responsibilities: Contract and Financial Management: Manage a portfolio of estates and facilities contracts, ensuring compliance with procurement policies and effective budget control. Monitor expenditure against contracts and provide regular financial updates to the Head of Business Operations. Vendor and Stakeholder Relations: Work alongside Contracts & Procurement as the facilities and estates representative in negotiations with suppliers and maintain strong working relationships with internal and external stakeholders to ensure service delivery aligns with organisational needs. Performance Monitoring: Conduct regular audits and reviews of contracts and service level agreements (SLAs), ensuring that all contractual obligations are met and performance issues are addressed promptly. Operational Oversight: Working with Facilities Managers and the Health & Safety officer to ensure all facilities are safe, well-maintained, and compliant with health and safety regulations and statutory requirements initiating an escalation process to contractors if standards are not met. Problem Resolution: Resolve technical, contractual, and operational issues in a timely and cost-effective manner, escalating to the Estates Manager and Contracts and Procurement where necessary. Business Planning: Through the contractual management process, contribute to long-term planning for facilities management, including forecasting future needs, recommendations on budget allocation, and supporting sustainability initiatives. Compliance and Risk Management: Ensure all contracts adhere to relevant legislation including health and safety, environmental, and building regulations such as Health & Safety at Work Act 1974, Building Safety Act 2022 etc. Systems and Data Management: Utilise internal systems, including CAFM software, to manage estates data, monitor contract performance, and support decision-making. Ensures accurate record-keeping, interrogate data to identify trends and risks, and contributes to service improvement through data-driven insights. Knowledge: Minimum of a vocational qualification (Level 4-5) in relevant work areas and related disciplines for example, business administration, construction management, surveying etc. or 5yrs+ experience on contract or strategic management In-depth understanding of facilities and estates contract management, including procurement and supplier performance frameworks. Strong knowledge of health and safety legislation, building regulations, and compliance standards relevant to estates and facilities. Familiarity with service level agreements (SLAs), key performance indicators (KPIs), and contract law. Awareness of sustainability and energy efficiency practices in facilities management. Understanding of public sector operations and procurement processes (desirable). Experience: Desirable is police or public sector experience. Proven experience managing facilities-related contracts (e.g., cleaning, maintenance, security) in a complex or multi-site environment. Demonstrated ability to monitoring budgets, monitor financial performance, and deliver cost-effective solutions. Experience in negotiating and managing supplier relationships and resolving contractual disputes. Track record of conducting audits, performance reviews, and ensuring compliance with SLAs. Experience working with internal stakeholders and external partners to deliver operational improvements. Key Skills: Strong management and coordination skills, with the ability to influence and manage stakeholders at all levels. Excellent negotiation and contract management skills. High level of financial literacy and ability to manage and report on budgets. Analytical skills to assess performance data and identify areas for improvement. Proficiency in Microsoft Office and facilities management systems (e.g., CAFM). Clear and confident communication skills, both written and verbal. Ability to manage competing priorities and work under pressure. Special Conditions: Regular travel throughout Warwickshire. Potential to be site-based depending on contract management requirements. We want our organisation to be as diverse as the community it serves. We welcome applicants from all sections of the community. You will be required as part of Warwickshire Police recruitment process to successfully complete vetting and credit checks.

Fintech, Finance, or Credit Risk is required. Affordability, income and expenditure analysis, credit risk, and fraud detection, with excellence in. Your work will directly help traditionally underserved consumers to access the most suitable financial products, whilst supporting our customers in disc

A banking client is seeking a Principal BCBS-239 consultant with strong Credit Risk Reporting and Risk Data Aggregation experience to lead a key regulatory review. Strong background within Credit Risk Reporting, Risk Data or Regulatory Reporting. Strong understanding of credit risk data flows from o

In this role, you will take responsibility for a key credit risk portfolio, using analytics and insight to drive performance and improve strategy. Experience in credit risk or portfolio analytics within consumer lending. Solid understanding of CRA data, MI and credit risk frameworks.

As a Credit Risk Manager – Real Estate Finance at MUFG, you will play an integral role in managing the credit risk associated with complex real estate financing transactions across EMEA. Manage ongoing credit risk portfolio activities such as monitoring credit ratings, market events, and client pe

Background in credit risk or fraud analytics. They are a global, fully remote fintech working across payments and credit risk. Their teams operate internationally collaborating on high impact risk and credit solutions.

Candidates should possess over 3 years of experience and a solid understanding of credit risk and P&L attribution analysis. Centiva Capital in London is looking for a skilled developer with expertise in credit products. Applicants are encouraged to have relevant degrees and experience with fixed-inc

A leading FinTech company is seeking a Senior Credit Risk Analyst based in London. In this hybrid role, you will develop and optimize credit strategies, manage pricing models, and analyze customer behavior.

A global consulting firm in the UK is searching for a Quantitative Analytics & Risk Modelling Senior Consultant with at least 3 years of experience. The role focuses on building and enhancing statistical models for credit decisioning and portfolio monitoring.

A leading global banking institution is seeking a Risk Approver to cover Structured Trade Products. The ideal candidate will have experience in export agency finance transactions, be well-versed in credit policies, and demonstrate advanced analytical abilities. The position is full-time based in Gre

A global financial services firm in Greater London is seeking a candidate with IFRS 9 modelling experience to join their Legal Entity Loss Forecasting team.The candidate will support the production of regulatory stress testing and enhance loss forecasting frameworks.The ideal applicant will have str

Experience building or scaling a Credit Risk or Model Risk function. We’re looking for a Head of Credit & Model Risk Oversight to provide independent second line leadership at Zempler Bank, helping to shape a culture where risk is openly discussed, well understood and responsibly managed. The role

Drive growth whilst balancing risk - use analytic and credit judgment to drive growth through credit policy, work with the commercial team to hit volume targets, and all whilst maintaining portfolio quality. We’re looking for a Credit & Commercial Manager to own credit strategy for this product -

A leading fintech lender is seeking a Senior Credit Risk Strategy Manager to lead and optimise collections analytics and strategy.

HSBC is seeking a Credit Manager in Wholesale Credit Risk Management located in Greater London, UK. This role involves evaluating high-value lending proposals, assessing credit transactions, and supporting risk management initiatives. Applicants will need experience in portfolio reviews, stakeholder

A forward-thinking payment technology firm in the UK is looking for an experienced credit risk analyst to drive initiatives optimizing credit strategies. Responsibilities include analyzing data for fraud patterns, collaborating with cross-functional teams, and monitoring credit portfolios.

Help evaluate derivatives and financing transactions across Counterparty Credit Risk, reviewing and approving risk taking across this sector, while ensuring appropriate documentation and risk mitigants are in place to protect against default and minimize losses. Leveraging its extensive expertise in

Millennium, based in Greater London, is seeking a Senior Risk Manager to oversee the independent risk management of credit portfolios. Candidates should have at least 8 years of experience in risk management, strong analytical skills, and familiarity with credit-related instruments. This role offers

The role involves conducting detailed credit analyses, preparing reports, and managing credit risks related to energy commodities including renewables and gas. Candidates must have a strong background in credit risk functions, excellent communication skills, and familiarity with relevant tools like

Primary Responsibilities*** Conduct independent fundamental credit analysis of corporate credit exposures across non-bank lending sectors including agency and non-agency residential, commercial real estate, consumer, aviation and other transportation, shipping, auto, commercial/SME, and alternative

Credit Risk Manager role in Citi's Financial Institutions Group (FIG) and Counterparty Credit Risk (CCR) team within Risk Management. Provide review, challenge and credit decisioning for the assigned portfolio of FIG clients and/or recommendations to more senior credit officers as needed. Demonstrat

Boston Consulting Group (BCG) is seeking a Senior Manager for their Risk & Compliance Practice Area, specializing in Credit Risk Management. Strong stakeholder engagement, leadership capabilities, and familiarity with AI in risk management are required.

CDW is looking for an experienced Credit Risk Manager in Greater London to lead customer credit risk management while ensuring financial exposure is minimized. The successful candidate will oversee a team based in South Africa and the UK, assess customer creditworthiness, and manage risk across acco

Lead due diligence, credit analysis, and financial modelling of counterparties, transactions, and complex financing structures; drive preparation of credit memos and recommend appropriate structure, risk appetite, and grading. Given the broad sector and client base covered, we focus on performing cr

The team is responsible for making decisions on Amazon Business (AB) customers’ eligibility for the Pay By Invoice (PBI) payment product at initial assessment, proactively and by request, while balancing spend opportunities and mitigating credit/write off risk. Evaluate portfolio risks across WW p

What we’re looking for:*** Proven working risk knowledge with 3-5 years’ experience in Counterparty Credit Risk function* Knowledge of risk management practices, traded products (SFTs, Rates, FX, Credit, Inflation, Equity and structured products, etc) and knowledge of key risk measures (PFE, EE,

As a Wholesale Credit Risk APAC/EMEA – Real Estate – Analyst in the Wholesale Credit Risk team, you will be playing a crucial role in helping drive credit risk management for a diverse portfolio of clients. If you are eager to join the Credit Risk team and help the firm grow its business respons

Liquidity is seeking a highly experienced Head of credit and risk to lead the firm’s global credit strategy, underwriting function, and risk governance. Lead risk assessments and develop tailored structuring and mitigation strategies to effectively manage elevated credit and operational risks, inc

The role involves analyzing and monitoring credit, liquidity, and market risks while collaborating with various teams to enhance risk management processes. Join Klarna to help shape effective risk strategies while balancing growth and risk. Candidates should possess a Bachelor’s degree in a releva

Harnham is seeking a Lead Credit Risk Analyst based in London or Leeds, focusing on portfolio analytics to influence credit strategy and risk decisions. This role involves delivering insights to senior stakeholders and driving performance analysis across a consumer credit portfolio.

If that is you, then join us and work closely with the Director for Credit Risk Management and the VP of Credit. While a strong foundation in credit risk is essential, you’ll bring hands‑on coding expertise to directly work with data pipelines, API integrations, decision engines, with the option

The ideal candidate will have 5-10 years of experience in credit review, strong analytical skills, and a solid understanding of risks in various industries. Responsibilities include conducting credit evaluations, presenting findings to the Credit Committee, and monitoring loan performance. This role

Deep knowledge of market and credit risk, structured products, and regulatory frameworks (Basel, RWA, CCR, etc. Be part of a transformative project that will shape the future of risk management at Jefferies. Join us in our mission to redefine risk analytics with cutting-edge technology.

Greater London is seeking a Credit Risk Manager to join the Financial Institutions Group. The role focuses on risk management, credit decisioning, and process improvement. You will manage European insurance companies, requiring extensive credit experience.

We are seeking an experienced Credit Risk Manager to lead and manage the company’s customer credit risk portfolio, ensuring the business is protected from financial exposure while supporting sustainable commercial growth. Strong knowledge of trade credit risk, customer onboarding, credit assessmen

Fintech Farm Ltd is seeking a Business Analyst based in Greater London to perform business analysis and define requirements for Credit Decision Systems with a focus on credit risk management. This role involves collaborating with multiple teams to lead changes and analyze large datasets, enhancing c

Conduct credit assessments for new and existing clients, including financial analysis, creditworthiness evaluation, and risk profiling. You will play a key role in assessing, monitoring, and mitigating credit risk, working closely with internal teams to ensure risk is effectively managed while suppo

Invesco is seeking a full-time risk management professional to support their Private Credit portfolios. Applicants should have proven experience in financial markets, risk modeling, and stakeholder management. This role involves transparency on investment risks and collaboration with senior teams to

A leading European hedge fund is seeking a quantitative market risk analyst to join their growing London risk team. The role focuses on market risk for credit trading products, requiring collaboration with investment teams and a strong quantitative background. Ideal candidates will have a master's i

Support the Senior Credit Risk Associate in EMEA and the Head of Credit & Market Risk for the EMEA & APAC regions in the overall management of the Credit & Market risk function. You will assign and manage credit limits while maintaining sound judgment and controls in order to mitigate counterparty c

Mizuho is seeking a skilled professional to join their Contingent Risk team within the EMEA CIB Credit Risk function. This role involves analyzing risks with counterparties and supporting new trade initiatives, requiring strong quantitative and risk management skills. Candidates should hold a BSc in

The ideal candidate will have strong coding skills in Python and SQL, coupled with experience in credit risk or a commercial strategy role within consumer lending. ONMO is seeking a candidate to define and optimise commercial strategies while improving risk adjusted margins across their credit offer

A leading cross-asset trading and risk technology provider is looking for a Credit Quantitative Analyst to enhance pricing and risk models for credit products. Ideal candidates will have extensive experience in credit modeling, a strong background in quantitative finance, and VP/Director-level capab

The role involves overseeing portfolio risks, conducting detailed risk analysis, and collaborating with Portfolio Managers to enhance risk management strategies. Candidates should have over 10 years of experience in investment risk and a solid understanding of credit markets. This position offers an

YouLend Limited is looking for a Credit Risk Lead to oversee our credit risk function as we expand into the US market. This role involves leading a team of risk analysts, ensuring high-quality credit decisions, and developing robust credit policies in alignment with regulatory standards. The ideal c

BARCLAYS is seeking an experienced professional to lead and manage engineering teams with a focus on delivering high-quality software solutions.This role will involve providing technical guidance, mentoring team members, and collaborating with cross-functional teams to ensure alignment with business