Retail Credit Quality Assurance Specialist

About us

At Mercedes-Benz Financial Services, our employees are at the heart of our business. We provide financial solutions designed around the changing needs of our diverse customers and support an inclusive culture where everyone has equal opportunity to learn and develop.

How you’ll play your part

As a Retail Credit Quality Assurance Specialist, you will independently review retail credit underwriting decisions to ensure they comply with internal credit procedures, delegated authority frameworks and applicable regulatory requirements, including FCA CONC obligations. You will support consistent, fair and compliant customer outcomes.

Main accountabilities

• Conduct daily, timely and structured reviews of retail credit underwriting decisions using a defined QA framework and methodology.
• Assess decisions against internal credit policies, delegated authority limits, approval frameworks and FCA CONC requirements covering creditworthiness, affordability and responsible lending.
• Use risk-based sampling to select cases across underwriter mandates, decision types and risk segments.
• Document QA outcomes, scoring, rationale and findings in accordance with governance requirements.
• Identify trends, control weaknesses and recurring issues, and conduct root cause analysis.
• Provide evidence-based feedback and recommendations to underwriting management.
• Contribute to training, process improvements, procedure refinement and calibration sessions.
• Produce QA reporting covering quality scores, metrics, emerging risks, root causes and recommendations.
• Escalate material issues, breaches and systemic risks through appropriate governance channels.
• Support informal complaint reviews, internal audits, compliance monitoring and regulatory reviews.
• Create and periodically review QA frameworks and scorecards aligned with business and compliance requirements.
• Maintain knowledge of FCA CONC, Consumer Duty, vulnerable customers, internal directives and procedures.
• Engage with Underwriting, Credit Risk, Compliance and Risk teams while maintaining independence.

About you

• At least 3 years’ experience in a Quality Assurance role, preferably in credit underwriting within the auto finance sector.
• Strong understanding of FCA regulations, including Consumer Duty, Vulnerable Customers and CONC.
• Excellent analytical, organisational and time management skills.
• Strong written and verbal communication, coaching, reasoning and influencing skills.
• Ability to conduct reviews fairly, consistently, objectively and compliantly.
• Critical thinking and logical reasoning skills, including root cause analysis.
• Ability to interpret data and provide insight.
• Commitment to professional development and continuous learning.

What’s in it for you?

Mercedes-Benz Financial Services offers a competitive salary and discretionary bonus structure, colleague car schemes, a pension scheme, a flexible benefits pot, wellbeing resources, an Employee Assistance Programme, development opportunities and flexible working options.

Additional information

Competency assessments must be passed before commencing live reviews. Candidates must have the right to work in the United Kingdom. Reasonable adjustments are available throughout the recruitment process.