Financial Regulation Legal Counsel

ID Finance; Madrid; Híbrido; EUR 45.000 - 65.000; Jornada completa

Descripción de la vacante

A leading fintech company based in Madrid is looking for a Financial Regulation Legal Counsel to join its Regulatory Team. You will guide the business through the regulatory landscape of consumer credit and payments while ensuring compliance with applicable laws. The ideal candidate has a degree in Law, 4–6 years of relevant experience, and exceptional communication skills. Benefits include private health insurance and hybrid working arrangements.

Servicios

Private health and dental insurance

Discounted gym membership

Free coffee and snacks

Team building activities

Formación

• 4–6 years of experience in Consumer Law, ideally within consumer credit or financial services.
• Strong legal academic background and solid professional experience in the fintech sector.
• Advanced level of English.

Responsabilidades

• Assess legal viability and regulatory risks of products.
• Lead regulatory matters related to credit and consumer regulation.
• Draft, review and update contracts driven by regulatory requirements.
• Handle responses to investigations from regulatory authorities.
• Anticipate regulatory changes and translate them into practical solutions.

Conocimientos

Legal analysis

Consumer credit expertise

Payments experience

Communication skills

Decision making under ambiguity

Educación

Degree in Law

Descripción del empleo

We are looking for a

Financial Regulation Legal Counsel

to join our Regulatory Team and play a key role in how we design and scale our financial products. In a fast‑moving fintech environment, you will work hand‑in‑hand with Product, Tech and Operations teams to embed regulatory thinking from early idea conception through to launch and continuous improvement.

Your mission will be to turn a complex regulatory landscape for consumer credit, payments and financial services into clear, actionable guidance for the business. You will help the company prioritise and manage regulatory risk while enabling innovation, bringing together strong legal analysis, a business‑oriented mindset and ease working with data and modern collaboration tools.

PRIMARY RESPONSIBILITIES

Assess legal viability and regulatory risks of products, processes and new initiatives.

Lead regulatory matters related to credit and consumer regulation (CCD2, Customer Service Law, Customer Service Authority, NPL law, EMI, accessibility, PSR / PSD3, etc.).

Draft, review and update contracts driven by regulatory requirements or product needs.

Handle responses to investigations / inspections from regulatory authorities (e.g. Bank of Spain, Consumer Authorities).

Assess product iterations from a regulatory and legal perspective.

Anticipate regulatory changes and translate them into practical, business‑oriented solutions.

KNOWLEDGE & SKILLS

Strong legal academic background and solid professional experience in the fintech sector.

Experience in consumer credit and advising on related credit products (including debit and credit card products).

Experience in payments and advising on payment products.

Sound judgement, composure under pressure and a collaborative mindset.

Confidence in making decisions in situations of ambiguity or incomplete information.

Exceptional communication skills.

Advanced level of English

QUALIFICATIONS & EXPERIENCE

Degree in Law.

4–6 years of experience in Consumer Law, ideally within consumer credit or financial services.

BENEFITS

Private health and dental insurance

Discounted gym membership

Hybrid work : 2 days from home

Free coffee, fruit (Mon / Wed / Fri) + snacks

Team building activities and work in an international and passionate environment

Don’t miss the opportunity to be part of a company that values innovation and talent!

Join us and take your career to the next level