Lawyer - Cards, Loans and Transport Legal (CLT Legal)
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Agile Working Options
Job Share; Flexibility in when hours are worked; Hybrid Working
TITLE: Lawyer - Cards, Loans and Transport Legal (CLT Legal)
LOCATION(S): Chester, Bristol, Leeds, Halifax, Edinburgh or London
HOURS: Full Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.
About this opportunity:
The Consumer Lending division is led by Jas Singh, offering lending and financing for consumers and vehicle leasing for individuals and businesses in the UK.
* We're the number one provider of credit cards distributed through the four iconic brands of Lloyds Bank, Halifax, Bank of Scotland and MBNA.
* The same brands offer personal loans to individuals and is one of the top unsecured personal loan providers.
* Through the Transport division (Black Horse and Lex Autolease) offering vehicle finance and leasing facilities for both personal and business customers.
* Black Horse provides point-of-sale finance for around 1 million end customers supporting them to purchase their vehicle of choice through 4,700 dealerships.
* Lex Autolease is the UK's largest vehicle leasing and fleet management provider supporting 140,000 business and consumer customers, from sole traders to the largest multinationals. It has a fleet size of over 350,000 vehicles, including cars, vans, mini-buses and emergency vehicles.
Our vision within CLT Legal is to “Protect, Influence, Empower”. We align with the aims of the business we support in demonstrating the Group’s capabilities to deepen customer relationships and redefine ways of working to deliver a leading customer experience. We're specialists in identifying and guiding on legal risk, but we go further and make valuable contributions with our commercial insight, whilst ensuring customers receive fair and consistent treatments.
For this role your focus will be on issues affecting the unsecured personal loans and credit card businesses! You’ll report to a Senior Lawyer
You’ll provide insightful, commercial advice, and legal expertise to business and support partners, and facilitate the delivery of excellent outcomes for customers and for LBG across all the products the team supports but prioritising the Cards and Loans business.
Ideally, you'll have technical knowledge of consumer credit law, general consumer law as well as applying FCA Principles, FCA rules (e.g. CONC), Payment Services Regulations, and other requirements applying to the products we support. This will now include an understanding how to implement the higher standard of customer treatment expected under Consumer Duty.
You’ll also be required to deputise for Senior Lawyers when required.
We'll be looking for you to focus on growing your own capabilities and investing in personal development by identifying and using the many opportunities within the team.
What we need from you!
As a Lawyer in the team you’ll be encouraged to provide advice on all aspects of customer journeys, from the on-boarding of customers through to servicing, collections and recoveries processes, contractual documentation, letters, rectifications and new regulations in a way that makes a real difference to a customer’s experience. This includes the ability to support and provide legal advice on the following:
* customer terms & conditions reviews.
* new product offerings.
* legal developments (statutory or otherwise).
* legal risks (Including ensuring they are appropriately raised, reported, escalated and shared.)
* training needs of the businesses we support.
* customers in financial difficulty/insolvency.
* customer complaints.
* rectifications & remediations.
You'll need to deliver legal technical input to influence projects, with a significant impact across the Group or a number of Business divisions. This means working collectively with lawyers across the Legal Community to provide joined up legal support in the areas of litigation, contentious regulatory, competition, data protection and commercial contracts.
In addition, you will:
* assist in any dealings with the FCA, PRA and other regulatory or trade bodies. This may involve helping to craft external thinking on the reform of consumer credit and consumer protection legislation;
* work in partnership with other Group, Divisional and Business Divisions - in particular Digital Engagement, Finance, Risk, Conduct, Compliance and Operational Risk (CCOR) and Operations;
* help to deliver the engagement model between Legal and our customers; and
* Participate in Legal and Secretariat community projects.
Key Capabilities:
* At least, a qualified solicitor with a minimum of 3 years post qualification experience (or have equivalent legal qualification or experience).
* Responsibility for the provision of high quality legal and commercial advice and support to relevant partners on a wide range of their needs.
* Sound legal, commercial and risk judgement and understand and build an effective Legal risk management framework.
* Build effective working partnerships and consensus, applying positive relationship management and interpersonal skills.
* Required to work effectively with management and executives across a variety of functions, not only to ensure compliance with legal requirements but also to proactively challenge, advise and influence management on legal issues.
* Thrive on challenge and be able to balance multiple competing demands through uncertainty or ambiguity.
* Positively influence others by role modelling core LBG values and behaviours.
About working for us
Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it’s why we especially welcome applications from under-represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.
Want to do amazing work, that’s interesting and makes a difference to millions of people? Join our journey!
By joining our Talent Community your profile will be visible to our recruitment teams, who are constantly looking to match outstanding talent with our current and future opportunities. Just complete the short form and we’ll be able to keep you up to date.
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.
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