Senior Structured Finance Analyst in Milton Keynes

SALARY: From £48,000 pa dependent on experience

LOCATION: Milton Keynes

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.

HOURS / CONTRACT TYPE: Full Time permanent 35 hours per week

CLOSING DATE: 10th February 2026. We reserve the right to close the advert earlier if we receive a high volume of applications.

We’re looking for a Senior Structured Finance Analyst to be responsible for completing monthly Investor Reports for external investors, rating agencies & our Headquarters in Germany, working to tight deadlines. You will also ensure the appropriate accounting treatment, systems, and processes are understood and in place for the impending regulatory and accounting developments relating to Structured Finance. This analytical role will be instrumental in supporting the delivery of our successful Asset-Backed Security (ABS) Programme. This is an important and rewarding role as the ABS Programmes ensure we and our European markets have the funding needed to operate, and ultimately supports our longer-term growth ambitions.

What You’ll Be Doing

• You’ll be responsible for completion of the monthly UK and European markets Investor Reports within tight timelines
• Perform the monthly ‘top up’ process ensuring only eligible assets are sold into ABS deals and, monthly legal documentation and payment requests are accurately produced, signed and issued
• Monitor pool performance and ABS deal KPIs and update business stakeholders with any issues or trends
• You’ll respond to investor queries and provide detailed analysis and explanation
• Complete monthly Bank of England (BoE) & European Securities and Markets Authority (ESMA) reporting and, other monthly regulatory reports and analysis
• Prepare monthly and annual accounting posting and reconciliations for inclusion within VWFS accounts
• You will liaise with external auditors (UK, Luxembourg, & Germany) on team activities and for the SPV’s annual audits and accounts preparation

What You’ll Bring

• You’ll be a key part of the wider Structured Finance Team and able to stay motivated when completing repetitive tasks without losing an eye for attention to detail.
• As a key member of the Structured Finance Team, you’ll thrive in an organised, detail-driven environment where accuracy and consistency are essential.
• You have financial Services experience and an awareness of Structured Finance Transactions (Discounted Cash Flows)
• Portfolio analysis experience is essential
• A good understanding of IFRS would be useful with some progression in an Accounting or Financial qualification such as ACA/ACCA or CIMA being beneficial
• Strong analytical skills with the ability to identify, understand and explain financial data
• Experience and knowledge of process management and continuous improvement
• Excellent and advanced knowledge of Microsoft Excel
• You can work within strict organisational and regulatory deadlines

What’s in it for you?

• Bonus: Discretionary 10% on-target bonus (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; 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, 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), 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.
• 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 professional development programmes and opportunities to build your technical and soft skills. We also offer mentoring schemes and reciprocal partnerships.

Why join VWFS UK?

You’ll have the opportunity to make a difference by helping us to achieve our mission. Our mission is straightforward: 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.

This role does not meet the UKVI’s criteria for the skilled worker sponsorship route, therefore we are unable to accept candidates requiring sponsorship for this role.