Associate - Consumer/Retail Finance - London

An opportunity has arisen for a Consumer/Retail Finance Associate or Senior Associate to join a leading financial services practice based in London. The team sits within a broader commercial advisory practice and works with a wide range of banks, challenger banks, retail finance providers and other financial institutions.

The role involves advising on all aspects of the Consumer Credit Act and associated regulations, as well as UK payment services and e-money regimes. You will work on product design, acquisition processes, distribution channels, customer-facing communications, account servicing and post-contractual issues. The team also advises on conduct risk, secured and unsecured lending, loan portfolio sales and purchases, securitisations, and due diligence in support of corporate transactions.

You can expect to advise on FCA handbook requirements including CONC, BCOBS, MCOB and the consumer duty, assist clients with regulatory change and implementation, and support authorisation applications in the payments and e-money sectors. The firm actively embeds generative AI into its legal service delivery, and you will join a team that treats technology as part of the job.

• 2–6 PQE, with deep financial services sector knowledge and an eye for future developments
• Strong judgment and the ability to understand risk and make sound decisions
• Ability to deliver the highest quality legal advice combined with practical implementation
• Quick to establish trust and confidence with clients, building long-term collaborative relationships
• Able to develop an internal network of stakeholders and actively contribute to business development
• Collaborative team player, willing to take the lead when requested
• At Senior Associate level, involvement in coaching, supervising and mentoring junior colleagues
• Clear, considered and persuasive communication skills
• Self-aware and adaptable, with creative problem-solving abilities
• Skilled at scoping and pricing work accurately