Senior Manager - Motor Finance Compliance

Lloyds Banking Group; Leeds; On-site; GBP 85,000 - 101,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping

30 days' holiday + bank holidays

Job summary

Lloyds Banking Group in the United Kingdom is seeking a Senior Manager - Motor Finance Compliance to lead risk-based conduct and compliance support for Motor Finance. The role serves as a senior second-line partner, shaping the oversight plan and guiding regulatory alignment.

Hybrid working with offices across major UK locations and line management responsibilities are included. The successful candidate will bring at least five years of compliance advisory experience in motor finance, strong

Qualifications

• Minimum of five years' compliance advisory experience, preferably within motor finance.
• Wider consumer credit compliance experience will also be considered.
• Specialist knowledge of CONC and its application to consumer credit products, customer journeys and governance.
• Experience at a senior level, influencing senior collaborators and contributing to governance forums.
• Working knowledge of the Consumer Credit Act 1974 is desirable.

Responsibilities

• Build effective relationships with Motor Finance collaborators and provide accessible, commercially aware compliance advice.
• Support the business in applying regulatory requirements, Group policy and risk appetite in day-to-day activity and change initiatives.
• Provide constructive challenge on customer outcomes, product governance, complaints, vulnerable customer considerations and other key conduct risks.
• Attend and support relevant governance forums and committees, providing compliance input and insight.
• Use MI, assurance findings and business insight to identify emerging risks and inform oversight priorities.
• Develop robust governance papers, risk assessments and evidence-based decisions.
• Line manage, coach and develop junior colleagues and promote strong conduct risk awareness.

Skills

FCA conduct knowledge

Compliance advisory

Governance & oversight

People management

Stakeholder influencing

Written & verbal communication

Job description

JOB TITLE: Senior Manager - Motor Finance Compliance

SALARY: £85,493 - £100,580

LOCATIONS: Edinburgh, Bristol, Leeds, Halifax, Birmingham

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 Senior Manager - Motor Finance Compliance leads the provision of proactive, pragmatic and risk-based Conduct and Compliance Risk support to the Motor Finance business. The role acts as a senior second-line partner, helping the business interpret and meet regulatory expectations while supporting good customer outcomes, effective risk management and sustainable commercial delivery.

Working closely with senior business and control function collaborators, the role provides clear, authoritative and commercially aware compliance advice across products, customer journeys, change activity, governance and oversight. It supports informed risk-based decision making, provides constructive challenge where required, attends relevant governance forums and committees, and ensures key conduct and compliance risks are identified, assessed, managed and evidenced appropriately.

The Senior Manager also plays a key role in shaping and delivering the Compliance oversight plan for Motor Finance, using insight, management information, assurance findings and regulatory developments to identify emerging risks, influence priorities and drive continuous improvement in the control environment. The role includes line management responsibilities, the coaching and development of junior colleagues, and deputising for the Head of Compliance as required.

What you'll be doing:

• Build effective relationships with Motor Finance collaborators and provide accessible, commercially aware compliance advice.

• Support the business in applying regulatory requirements, Group policy and risk appetite in day-to-day activity and change initiatives.

• Provide constructive challenge on customer outcomes, product governance, complaints, vulnerable customer considerations and other key conduct risks.

• Attend and support relevant governance forums and committees, providing compliance input, challenge and insight.

• Use MI, assurance findings and business insight to identify emerging risks and inform oversight priorities.

• Support the development of robust governance papers, risk assessments and evidence-based decisions.

• Line manage, coach and develop junior colleagues, promoting strong conduct risk awareness and a culture of good customer outcomes.

• Deputise for the Head of Compliance where required, including in senior collaborator discussions and governance activity.

Why join us?

We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

Experience required:

• Minimum of five years' compliance advisory experience, preferably within motor finance.

• Wider consumer credit compliance experience will also be considered.

• Demonstrable specialist knowledge of CONC, including its application to consumer credit products, customer journeys, governance and oversight activity.

• Experience operating at a senior level, including influencing senior collaborators and chipping in to governance forums or committees.

• Working knowledge of the Consumer Credit Act 1974 is desirable.

Skills required:

• Strong understanding of FCA conduct requirements, Consumer Duty expectations, expert CONC knowledge and the regulatory environment for motor finance.

• Ability to provide clear, pragmatic and risk-based compliance advice to senior collaborators.

• Confident collaborator management, influencing and constructive challenge skills.

• Strong judgement and analytical capability, with the ability to assess complex issues and identify key conduct and compliance risks.

• Experience of governance, risk assessment, oversight planning and assurance activity.

• Clear written and verbal communication skills, including the ability to produce concise advice, papers and committee input.

• People management capability, with experience coaching, developing and supporting colleagues.

• Ability to work independently, prioritise effectively and deputise in senior forums where required.

We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

We want to ensure all our candidates have the opportunity to shine. Please let us know if there is anything we can do to make the sure the assessment process works for you.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies