Compliance Manager - Credit

The role

You will provide second-line oversight for a regulated credit entity. This includes managing financial crime, Consumer Duty, financial promotions, and FCA returns.

What you will do

• Deliver day-to-day second-line oversight across complaints handling, collections and arrears, and customer support
• Review and approve all customer-facing content including marketing, app journeys, and communications
• Act as deputy MLRO by reviewing financial crime alerts, escalations, and internal SARs
• Run Consumer Duty outcomes monitoring and testing
• Prepare scheduled FCA returns and ad hoc data requests
• Maintain the compliance breach log, issues log and actions tracker
• Carry out day-to-day oversight of third parties including vendor due diligence
• Support the SMF16/17 on new product reviews, regulatory change projects, and the financial crime framework

Required qualifications

• 3 or more years in a compliance role at an FCA-regulated firm
• Direct exposure to consumer credit products
• Hands-on financial crime experience reviewing alerts, escalations, and drafting or reviewing internal SARs
• Solid working knowledge of POCA and the Money Laundering Regulations
• Practical experience reviewing and approving financial promotions and customer-facing communications against FCA rules
• Working knowledge of Consumer Duty and DISP complaints handling
• Experience running second-line oversight or QA of complaints, collections or customer support
• Comfortable preparing written reports and MI for senior stakeholders
• Ability to give clear, practical regulatory advice to first-line teams under time pressure
• Ability to work in a lean team and work through ambiguity

Nice to have

• Experience acting as deputy MLRO or nominated officer cover
• Familiarity with vulnerable customer frameworks and Consumer Duty outcomes testing
• Experience of FCA regulatory returns, outsourcing oversight (IARs) and CONC in a fintech or fast-growing credit business
• A relevant qualification such as the ICA Certificate or Diploma in Compliance or Anti Money Laundering

About the company

LemFi is a financial engine for people who move countries. Pillar Labs Ltd is LemFi's regulated credit entity.