Lawyer – Consumer Finance Legal; CF Legal - FTC

End Date

Friday 06 February 2026

Salary Range

£87,552 - £97,280

We support flexible working –  for more information on flexible working options

Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours

JOB TITLE:

Lawyer – Consumer Finance Legal (CF Legal) - 12 month FTC
SALARY: £87,552 - £97,280
LOCATION(S):
Chester, Cardiff, Bristol, Edinburgh, Halifax and Leeds

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.

The Consumer Lending division offers lending and financing for consumers 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 in the UK.
• Embedded Finance is our newest business. Showcasing innovation through the use of tech to develop new finance solutions for our customers. The first successful product launch was Black Horse Flex Pay but the ambitions go wider – EF are exploring many exciting opportunities to grow and expand.

Our vision within Consumer Finance (CF) Legal is to “Protect, Influence, Empower”. We align with the aims of the businesses 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 real contributions with our commercial insight, whilst ensuring customers receive fair and consistent treatments.

As a CF Lawyer, your focus will be on issues affecting the Credit Cards, Loans, and Embedded Finance businesses, but there are opportunities to get involved in even broader work within Financial Wellbeing and Customer Data and Affordability too! You may also be called upon to support other Consumer Legal teams or help to deliver centralised Consumer Legal initiatives. As well as giving you a broader experience, this flexibility helps us to manage the demands on our colleagues in ever‑more agile ways.

In this role you’ll report to, and have the support of, a Senior Lawyer within CF Legal.

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.

• 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.
• 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

• consumer duty
• digital journeys
• data privacy
• customer terms & conditions reviews
• new product offerings
• legal developments (statutory or otherwise)
• legal risks (Including ensuring they are appropriately raised, reported, and shared)
• training needs of the businesses we support
• customers in financial difficulty/insolvency
• customer complaints
• rectifications & remediations
• persistent debt

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.

• Be required to deputise for Senior Lawyers when required.
• 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…