Payments and Consumer Credit Lawyer

Overview

White Collar Factory (95009), United Kingdom, London - In-house Financial Services Professional Support (Knowledge) Lawyer.

About this role

Capital One is creating a new opportunity to join our UK Legal Team as a professional support knowledge lawyer, supporting the legal team to maintain up-to-date legal knowledge across the spectrum of issues impacting a consumer lender in the UK. Reporting to the Head of Customer (Acquisition, Strategy and Operations) Legal Team, you will leverage your expertise to deliver effective knowledge services to the Legal department and the wider business. Our goal is to support the UK business to navigate risk, deliver on its strategy, and provide good customer outcomes. Given the pace of change and innovation across lending, a proactive approach to capturing, organizing, and disseminating legal and regulatory knowledge is essential.

What you'll do

Your key focus will be on embedding a robust knowledge management function and acting as the knowledge expert across the spectrum of issues impacting a FCA regulated consumer lender in the UK:

• Knowledge Strategy: Produce and share high-quality legal knowledge for the Legal Team and business stakeholders to inform and shape our business strategy in evolving areas such as Payments and Open Banking.
• Business Facing Communications: Work with the Legal Team and other functions such as Compliance and the First Line Risk Office to ensure relevant legal and regulatory developments are communicated to business stakeholders in a proactive and timely manner through drafting legal updates, training and briefings.
• People Leadership: Responsible for people leadership, managing a small team of lawyers who are SMEs in various aspects of a consumer credit business. Also responsible for supporting their development and impact on the team and business.
• Legislative Tracking & Impact Analysis: Lead horizon scanning and tracking of legislative/regulatory developments across the full customer journey (topics include Consumer Duty, Payments, Open Banking, Employment, Tech/AI/Cyber and Competition), assessing their strategic impact on Capital One.
• Legal Training Programme Development: Identify relevant topics and training needs for the wider Legal Team and design and present sessions. Provide up-to-date, concise and practical training for stakeholders across the business on core legal and regulatory requirements.
• Strategic Policy Support: Coordinate with the External Affairs function to provide input on the legal and regulatory aspects of areas of strategic importance to COEP where we seek to influence change.
• External Third Party Engagement: Where relevant this could include liaising with industry bodies such as UK Finance in response to industry papers or instructing external counsel.
• Knowledge Management Systems: Implement procedures to capture, develop, store, and maintain know-how resources, including examples of previous advice. Focus on maximising the use of digital opportunities and maintaining user-friendly know-how banks.

What we're looking for

• Qualified solicitor with around 5-10 years PQE (guide only).
• Experience working within, or with (if private practice), an established financial services firm that offers consumer credit products is preferable.
• Broad knowledge of UK consumer credit legal and regulatory requirements across the full customer journey (e.g., CCA, CONC, Payment Services, Financial Crime, Open Banking) is strongly preferred.
• PSL/Knowledge Management experience is strongly preferred.
• A demonstrated ability to lead, coach and inspire a team of lawyers.
• Understanding of the regulatory expectations around Consumer Duty is preferred.
• Ability to apply strategic thinking and strong problem-solving skills to knowledge capture and dissemination.
• Excellent workload management skills, with an ability to work in a fast-paced environment and flexibility to adapt to changing business needs.
• Confidence in written and verbal communications, tailoring content and style to the audience as needed.
• Great relationship building and team working across business stakeholders, the broader Legal department and multi-functional teams.
• Forward thinking on maximising use of digital opportunities as part of providing legal advice.
• Genuine focus on delivering a best-in-class legal service to our business.

Where and how you'll work

This is a permanent position based in our Nottingham office.

We have a hybrid working model which gives you flexibility to work from our offices and from home.

We're big on collaboration and connection, so you'll be based in one of our offices 3 days a week on Tuesdays, Wednesdays and Thursdays.

What's in it for you

• Bring us all this - and you'll be well rewarded with a role contributing to the road map of an organisation committed to transformation.
• We offer high performers strong and diverse career progression, investing heavily in developing great people through our Capital One University training programmes (and appropriate external providers).
• Immediate access to our core benefits including pension scheme, bonus, generous holiday entitlement and private medical insurance - with flexible benefits available including season-ticket loans, cycle to work scheme and enhanced parental leave.
• Open-plan workspaces and accessible facilities designed to inspire and support you. Our Nottingham head-office has a fully-serviced gym, subsidised restaurant, mindfulness and music rooms.
• Year after year we've been recognised as a great place to work. In 2025, Capital One was ranked 15th in the UK's Best Workplaces list.

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. And we offer benefits that attract people at all ages and stages.

We also partner with organisations including the Women in Finance and Race At Work Charters, Stonewall and upReach to find people from every walk of life and help them thrive with us. We have a whole host of internal networks and support groups you could be involved in, to name a few:

• REACH - Race Equality and Culture Heritage group focuses on representation, retention and engagement for associates from minority ethnic groups and allies
• OutFront - to provide LGBTQ+ support for all associates
• Mind Your Mind - signposting support and promoting positive mental wellbeing for all
• Women in Tech - promoting an inclusive environment in tech
• EmpowHER - network of female associates and allies focusing on developing future leaders, particularly for female talent in our industry

Capital One is committed to diversity in the workplace.

If you require a reasonable adjustment, please contact . 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 .

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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. We are guided by our shared values and strive for collaboration, openness, and respect. We are 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.