Legal Counsel Regulatory

Regulatory Counsel Fintern is a fast-growing fintech consumer lender. We're scaling up and entering new markets and introducing new products. We're hiring a Regulatory Counsel with strong Consumer Credit Act (CCA) and FCA CONC experience. You'll prepare submissions to the FCA and others and advise senior leadership on regulatory risk in your area. You'll also draft, implement, and monitor legally robust, plain-English templates and ensure live documents match approved versions. We have a small legal team so you will also be expected to assist with broader legal work.What you'll doDraft submissions and supporting materials to a high standard such as Appointed Representative/IAR applications, waiver/modification requests, applications for new permissions and similar submissions, liaising with external counsel where needed.Identify and communicate key legal and regulatory matters for new products, markets and geographies that we are considering. Working closely with others, ensure that decisions about new markets are well-informed and that subsequent entry is well-managed.Draft & maintain customer credit documentation across the lifecycle (pre-contract and post-contract), including credit agreements, PCCI, adequate explanations, statements, and notices (e.g. NOSIAs and Default Notices). Maintain suite of customer documentation, managing versioning and approvals. Check accurate deployment into production.Provide clear, pragmatic advice to the CCO and senior management on risks and mitigations in your area; log actions and drive them to closure.Commission advice from legal and other advisers on discrete questions, track progress, and capture learning back into templates and guidance.Work with a more senior lawyer to prepare/review and negotiate the commercial agreements governing entry into new markets and introduction of new products, review and negotiate supply terms for the products and services essential to our business and review and negotiate NDAs.Working with the Compliance team, help to identify key compliance risks and where needed monitor and control these risks. This may entail detailed loan-by-loan review work.You'll bringQualified UK SolicitorKnowledgeable and experienced in the areas of Consumer Credit Act, FCA Handbook including CONC. Additionally, knowledge of the Payment Services Directive where relevant to consumer lending activities would be an advantage.Excellent written and verbal skillsStrong ability to evaluate risk and propose risk-based actionsAbility to negotiate with external parties and reach acceptable outcomesStrong team-player qualitiesWhat we offerEveryone owns a piece of the company - equityHybrid with 3 days a week in the office25 days' holiday a year, plus 8 bank holidays2 paid volunteering days per yearOne month paid sabbatical after 4 yearsEmployee loanFree gym membershipTeam wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering