Financial Services Disputes Lawyer - Senior Associate

Capital One (Europe) plc; Nottingham; Hybrid; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Competitive pension

Performance-based bonus schemes

25 days annual leave

Private medical insurance

Enhanced parental leave

Job summary

Capital One Europe seeks an experienced Financial Services Disputes Lawyer (Senior Associate) to lead litigation strategy and manage a portfolio of consumer claims, notably residual PPI, alongside other disputes. You will advise on s.75 claims, disputed transactions, and complex complaints, while mentoring junior colleagues.

The role is based in Nottingham with a hybrid pattern (3 in-office days Tue-Thu; 2 days remote).

Qualifications

• Qualified lawyer/solicitor with significant experience handling a caseload of consumer credit litigated claims and commercial disputes in private practice or in-house.
• Demonstrable experience dealing with s.75 claims, disputed transactions, and ideally building recovery strategies.
• Experience handling complex complaints and engaging effectively with Claims Management Companies (CMCs).
• Proven track record in setting and executing litigation strategies and experience with group litigation.
• Exceptional drafting skills for correspondence, strategic advice notes, and formal court documents.
• Strong legal research and horizon-scanning skills to preemptively identify risks.
• Ability to work in a fast-paced environment, managing multiple priorities effectively and decisively.
• Demonstrates excellent judgment and problem solving capabilities.
• Proactive ownership of key tasks with excellent stakeholder management, reporting and escalation.
• Results-focused and receptive to feedback, with a desire to own and drive continuous development.

Responsibilities

• Lead Litigation & Strategy: Manage a portfolio of consumer claims (primarily residual PPI and other ad-hoc claims), setting the overarching litigation strategies and proactive approaches to handle volumes and manage cases through to trial.
• Group Litigation & Commercial Disputes: Handle any threatened or issued group litigation effectively and efficiently, engaging and instructing external counsel on these claims where appropriate.
• Commercial Contract Disputes: Engaging with our contracts team where any commercial disputes arise, guiding them through informal dispute resolution as well as dealing with any issued claims.
• s.75 & Disputed Transactions: Provide robust second-line support for the s.75 team and disputed transactions, including building and executing a merchant recovery strategy for s.75 claims.
• Complaints Strategy: Provide second-line support on the complaints strategy, including direct engagement with Claimant Firms and advising on complex, high-profile complaints.
• Reporting & Horizon Scanning: Conduct horizon scanning to monitor legal developments and litigation trends; prepare reports for senior management.
• External Engagement: Manage external parties, including law firms and external counsel, to drive favourable outcomes.
• Caseload Management: Ensure compliance with court timetables, draft complex court documents, and conduct settlement negotiations.
• Team Contribution: Mentor junior team members and contribute to a high-performing team environment.

Skills

Litigation strategy

Group litigation

Commercial disputes

s.75 Consumer Credit Act

Complaint handling

Stakeholder management

Mentoring

External engagement

Document drafting

Horizon scanning

Job description

Nottingham Trent House (95002), United Kingdom, Nottingham, Nottinghamshire

Job Title: Financial Services Disputes Lawyer - Senior Associate

Location: Nottingham - Hybrid

Working Pattern: 3 days in-office (Tuesday-Thursday) and 2 days remote

Our Mission

We’re on a mission to be a force for good in lending. Throughout our almost 30-year history, we’ve consistently been recognised as a great place to work; in 2026, Capital One was officially ranked 9th in the UK’s Best Workplaces™ list. Hear from our team about what it’s like working at Capital One UK.

About the Role

As a Financial Services Disputes Lawyer, you will be responsible for leading the litigation strategy and managing a portfolio of consumer claims for Capital One. This portfolio mainly consists of residual PPI claims alongside a small number of other consumer claims. The role requires a highly strategic approach to handling litigation, including dealing with any threatened or issued group litigation and addressing any commercial disputes. Regular horizon scanning and preparing comprehensive reports for senior stakeholders on litigation trends will be essential parts of your remit to ensure the business is well prepared for emerging litigation risks. As well as engaging with any consultations which could impact the litigation landscape.

In addition to direct litigation management, you will play a critical advisory role for key first line operational functions. You will provide second-line support for section 75 Consumer Credit Act 1974 claims and disputed transactions, you will also be responsible for building and executing a merchant recovery strategy for s.75 claims. You will also provide second‑line strategic support complaints, involving direct engagement with Claimant Firms and advising on complex and high‑profile complaints.

What you’ll do

• Lead Litigation & Strategy: Manage a portfolio of consumer claims (primarily residual PPI and other ad-hoc claims), setting the overarching litigation strategies and proactive approaches to handle volumes and manage cases through to trial.
• Group Litigation & Commercial Disputes: Handle any threatened or issued group litigation effectively and efficiently, engaging and instructing external counsel on these claims where appropriate.
• Commercial Contract Disputes: Engaging with our contracts team where any commercial disputes arise, guiding them through any informal dispute resolution as well as dealing with any issued claims that may arise.
• s.75 & Disputed Transactions: Provide robust second‑line support for the s.75 team and disputed transactions, including building and executing a merchant recovery strategy for s.75 claims.
• Complaints Strategy: Provide second‑line support on the complaints strategy, including direct engagement with Claimant Firms and advising on complex, high‑profile complaints.
• Reporting & Horizon Scanning: Conduct continuous horizon scanning to monitor key legal developments and litigation trends. Prepare reports and strategic updates for senior management.
• External Engagement: Manage external parties, including law firms and external counsel, to drive favourable outcomes.
• Caseload Management: Ensure compliance with court timetables, draft complex court documents, and conduct settlement negotiations.
• Team Contribution: Mentor junior team members and contribute to an engaging, inclusive, and high‑performing team environment.

The skills and experience you need

• A qualified lawyer/solicitor with significant experience handling a caseload of consumer credit litigated claims and commercial disputes in private practice or an in‑house legal team.
• Demonstrable experience dealing with s.75 claims, disputed transactions, and ideally building recovery strategies.
• Experience handling complex complaints and engaging effectively with Claims Management Companies (CMCs).
• Proven track record in setting and executing litigation strategies and experience with group litigation.
• Exceptional drafting skills for correspondence, strategic advice notes, and formal court documents.
• Strong legal research and horizon‑scanning skills to preemptively identify risks.
• Ability to work in a fast‑paced environment, managing multiple priorities effectively and decisively.
• Demonstrates excellent judgment and problem solving capabilities.
• Proactive ownership of key tasks with excellent stakeholder management, reporting and appropriate escalation.
• Results‑focused and receptive to feedback, with a desire to own and drive continuous development.

Where and how you'll work

This is a permanent position based in our Nottingham office. We embrace a hybrid approach to work. You’ll spend three days a week in the office (Tuesday-Thursday), with Monday and Friday being dedicated work‑from‑home days.

Our offices are designed to inspire and support you. At our Nottingham head office, you’ll find an on‑site gym, restaurant and dedicated Learning Loft. Our London office boasts a rooftop running track and coffee bar.

What’s in it for you

We invest in the growth of our people alongside our business. You will have extensive opportunities to learn and develop your career, including access to up to £5,000 in funding for external qualifications.

In addition to career development, our comprehensive benefits package is designed to grow with you, ensuring your wellbeing is prioritised at every stage of your career:

• Wealth & Future:Competitive pension and performance‑based bonus schemes
• Holidays:Start with 25 days of annual leave, increasing with tenure. Need more? You have the option to buy 5 additional days.
• Health:Access premium care through our private medical insurance.
• Family Support:We champion your milestones with enhanced parental leave.

A full list of our benefits is available here.

What you should know about how we recruit

We pride ourselves on hiring the best people, not the same people. Building diverse and inclusive teams is the right thing to do and the smart thing to do. We want to work with top talent: whoever you are, whatever you look like, wherever you come from. We know it’s about what you do, not just what you say. That’s why we make our recruitment process fair and accessible.

We value diversity, inclusion and belonging at our core. We empower our associates to do great work by creating an inclusive culture—one that values diverse perspectives, fosters collaboration and encourages innovative ideas—and a place where associates of all backgrounds can thrive by bringing their most authentic selves to work. We call this our Culture of Belonging, and it rests at the heart of our business.

Our associate‑led Business Resource Groups were created to help support our diverse population and include over 10 groups across our offices. Because each Business Resource Group is as unique as the population it serves, they offer a range of activities, networking opportunities, special events and learning programmes to associates.

Capital One is committed to diversity in the workplace.

If you require a reasonable adjustment, please contact [e-mail]. All information will be kept confidential and will only be used for the purpose of applying a reasonable adjustment.

For technical support or questions about Capital One's recruiting process, please send an email to [e-mail].

Capital One does not provide, endorse nor guarantee and is not liable for third‑party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Who We Are

At Capital One, we're building a leading information‑based technology company. Still founder‑led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.