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Senior Consumer Finance Associate
2 weeks ago
The Role
- Are you interested in work, which is dynamic, high impact and makes a real difference to people’s lives?
- We have a number of opportunities for senior associates to join the Consumer Finance team at the FCA offering the chance to make a real difference to the 40 million consumers of financial products and the stability of our economy as a whole.
- We are looking for a number of talented and inquisitive people, at Senior Associate level, based in our Scotland, Leeds and London offices.
What does the role involve? What are the key responsibilities?
You will join one of the high-performing teams in Consumer Finance to help drive improvements for consumers at a time of considerable change in the UK financial sector including helping tackle the impacts of the cost-of-living crisis.
Consumer Finance manages the FCA’s regulatory oversight of diverse range of firms including, credit cards, motor finance, credit brokers, high-cost credit, mortgage intermediaries, debt managers, credit unions, retail finance, and others too.
Our priority is to ensure consumer interests are central to the firms within each of our portfolios. Our work aims to reduce harm to consumers, and we want borrowers to be treated fairly and be able to get affordable products that meet their needs.
Roles include:
- Working directly with firms, looking closely at their conduct/business models to ensure fair treatment of consumers- Strategy focussed positions - designing and developing FCA’s strategic approach to regulating consumer finance firms involved in lending to retail consumers- Project roles where you’d be working in teams involved in assessing specific consumer harms that exist in the markets, we oversee
The roles will give you the opportunity to build excellent stakeholder, investigative and project management skills, taking action that improves the way firms in Consumer Finance operate ultimately delivering better outcomes for consumers.
We aim to make markets work better and to stop and prevent serious misconduct that results in harm. The FCA is transforming to achieve these goals - investing in new technology and making better use of data, supporting our people and changing our culture. We also work in partnership with other organisations in the UK and globally.
Key accountabilities- Undertake a holistic review of a firms’ business model and strategy to identify how conduct risks could cause harm to consumers and/or markets- Make sound judgements that solve problems identified, through evidence-based analysis from information and data about firms and wider industry issues- Develop constructive working relationships with senior management in the firms we supervise and set clear expectations to firms- Where necessary influence and persuade firms, using formal powers where appropriate, to change their conduct or behaviour to deliver better outcomes for consumers- Deliver targeted and effective communications to key stakeholders, internally and externally- Work collaboratively with internal stakeholders to ensure a coordinated approach across the FCA and get specialist input where required- Contribute to the continuous improvement of internal processes by suggesting changes that result in better outcomes and efficient use of resources- Help to embed and oversee the implementation of the new consumer duty
Skills/Experience Required
Minimum- Experience of assessing and analysing information: you will be proficient at analysing complex information and data, exercising robust, consistent judgements that balance a range of competing factors- Experience of presenting your work to others: you will need to demonstrate an ability to communicate effectively with a diverse audience, managing complex, technical issues in a clear and digestible format- Experience of managing a broad range of stakeholders: you will need to ensure the activities of the department are shared with internal stakeholders, and to flex your style to build consensus and influence a range of diverse stakeholders, externally you will work closely with firms, other regulators and law enforcement
Essential- Experience of prioritising your workload, managing your time effectively and using sound judgement to achieve results in a high-pressure environment- Strong sense of accountability: you should be able to demonstrate that you take ownership of problems and drive forward pragmatic action-based solutions- Experience of coaching and developing less experienced team members
Desirable- Retail Lending/Consumer Finance experience and/or general financial services experience- Experience of identifying the business model, financial or regulatory risks posed by firms, the consumer harms which might result from these risks and appropriate tools for mitigation- An understanding and experience of dealing with issues impacting consumers in vulnerable circumstances- Experience of the regulatory framework including handbook rules and guidance
About the FCA
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