Retail Credit Quality Assurance Specialist Mercedes-Benz Financial Services Limited

Tasks

Job Title:

Retail Credit Quality Assurance Specialist

Closing Date: 30 September 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 proud to be a Menopause Friendly Accredited Employer, reflecting our ongoing commitment to creating a supportive and inclusive workplace. We offer wellbeing support options and resources for colleagues experiencing menopause and to those who are supporting someone through it.

How you’ll play your part

In this role, you will independently review retail credit underwriting decisions to ensure that they are made in line with internal credit procedures, delegated authority frameworks and applicable regulatory requirements, including FCA CONC obligations, supporting the delivery of consistent, fair and compliant customer outcomes.

Main Accountabilities

• Reporting into the Quality Assurance Manager, you will conduct daily, timely and structured reviews of retail credit underwriting decisions using a defined Quality Assurance (QA) framework and methodology. Assess whether decisions are consistent with internal credit policies and procedures, delegated authority limits and approval frameworks and FCA CONC requirements relating to creditworthiness, affordability and responsible lending. Ensure evidence supporting decisions is appropriate, complete and clearly documented.

• Apply a risk-based sampling approach to select cases for review, ensuring appropriate coverage across underwriter mandates, decision types and risk segments. Perform reviews in line with established QA standards to ensure consistency, objectivity and auditability. Clearly document all QA outcomes, including scoring, rationale and findings in accordance with QA governance requirements.

• Identify and analyse trends, control weaknesses and recurring issues arising from QA reviews. Conduct root cause analysis to determine underlying drivers of procedural breaches or gaps, inconsistent decision-making and control failures. This includes considering the adequacy of controls at all stages of a process to mitigate potential harm to customers and/or MBFS and highlighting change candidates for review and improvement.

• Provide clear, constructive and evidence-based feedback to underwriting management with targeted recommendations to improve underwriting quality, consistency and compliance. Contribute to training programmes, process improvements and procedure refinement. Where required, support calibration sessions to ensure consistent interpretation of credit policy. Take ownership of your recommendations and actively monitor the progress of resulting changes, ensuring they are effectively embedded in future reviews and processes.

• Produce regular QA reporting, including quality scores and key metrics, emerging risks, root cause insights and recommendations. Escalate material issues, breaches or systemic risks to underwriting management and appropriate…