Underwriter

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BMW Group Financial Services UK seeks an Underwriter at Summit ONE Campus in Farnborough to evaluate financial data and make fully justified decisions on all Private Customer GB and All Brands cases within SLA, review declines and appeals, and validate customer information while mitigating AML and Financial Crime risk. The ideal candidate will bring solid knowledge of finance plans, FCA regulatory awareness including AML, exceptional communication, accuracy under pressure, and strong analytical and decision‑making skills; teamwork and initiative are essential. Expect a first stage video interview, rotating shifts, and occasional weekend work with days in lieu; closing 30 July 2026. Equal opportunities and flexible arrangements are part of our approach; background checks apply.

BMW Group Financial Services UK is looking for an Underwriter. This role is based at the Summit ONE Campus in Farnborough.

What awaits you?

• Evaluate financial data making a fully justified and sound decision on all types of Private Customer GB (BMW / MINI) and Private Customer All Brands
• Decisions made within the agreed SLA with Sales
• Review of underwriting declines, appeals and complaints.
• Review and analyse additional information supplied by the Customer to evidence a decision.
• Collaborate within all underwriting teams and relevant stakeholders (Compliance, Risk, Sales Support, etc.)
• Identify and mitigate AML and Financial Crime
• Responsible for offering advice and support to Private Customer GB (BMW / MINI) and Private Customer All Brands in Application Processing for best customer and company outcomes in line with TCF regulations.

What should you bring along?

• A sound knowledge of the range of finance plans and financial services products essential
• Competence in FCA regulatory requirements incl. AML and Financial Crime and the regulatory impact on underwriting processes
• Strong communication skills are essential.
• Ability to work to deadlines with a high level of accuracy.
• Proven analytical and strong decision-making skills are essential.
• Be able to work well as a team and on own initiative, in particular when escalating problems or issues.

Note: The first stage will be a video interview.

Working Pattern:

Our working hours involve 3 shifts that rotate on a weekly basis:

• 08:00-16:15
• 09:00-17:15
• 09:45-18:00

The team also work approx. 16 Saturdays and 9 Sundays a year, all of which they receive a day off in lieu for during the week.

Closing Date: 30th July 2026

At BMW Group, we are committed to offering our employees the right balance between work and personal life. We pride ourselves on being a flexible employer, so please discuss your individual requirements as part of the application process to help us agree on a suitable arrangement.

We place great importance on equal treatment and equal opportunities. Our recruiting decisions are based on the personality, experience, and skills of the applicants. 

Learn more here.

We are proud to be part of the Disability Confident scheme, which supports employers in making the most of the talents disabled people bring to the workplace.

Successful candidates will be required to complete background screening checks, and the offer of employment will be subject to satisfactory results. These checks include references, right to work, IT system Compliance Integrity Check (COIN), CV, and relevant qualifications. Additional checks may include criminal records, adverse financial (credit), directorships, address verification, internet research, and/or driving licence. If you have any queries about these checks, please discuss them with us, and we will be happy to provide further details.