Compliance Manager - Credit

Ambition has no passport. That belief is why LemFi exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were. About the role Pillar Labs Ltd is LemFi's regulated credit entity, and this is its core compliance hire. You'll sit inside a small, growing second-line function, reporting directly to the Compliance Lead and MLRO (SMF16/SMF17). The role spans the full width of a consumer credit business: day-to-day conduct oversight, financial crime, Consumer Duty, financial promotions, FCA returns and deputy MLRO cover. It's broad by design, because the function is lean and the business is building. This is a hands-on role with real visibility. You'll give practical regulatory advice to Customer Support, Collections and Complaints, review and approve customer-facing content before it goes live, carry out first review of financial crime escalations and internal SARs, and prepare the MI that lands in front of the Board and ExCo. You'll also work directly with the SMF16/17 on new product launches, regulatory change and FCA engagement. If you want to own a wide brief in a business you can actually see growing, this is it. What you'll build and own Deliver day-to-day second-line oversight across complaints handling (DISP), collections and arrears (CONC 7) and customer support, reporting findings and themes to the SMF16/17 Review and approve all customer-facing content before it goes live: marketing, app journeys, servicing emails, arrears communications and partner promotions, assessed against the financial promotions rules, Consumer Duty and the CAP Code Act as deputy MLRO: carry out first review of financial crime alerts, escalations and internal SARs, prepare them for MLRO decision, and cover MLRO duties when needed Run Consumer Duty outcomes monitoring and testing, including vulnerable customer identification and support, and prepare the Board and ExCo MI pack Prepare scheduled FCA returns and ad hoc data requests ready for sign-off, and maintain the compliance breach log, issues log and actions tracker Carry out day-to-day oversight of third parties, including vendor due diligence and ongoing monitoring (IARs) Support the SMF16/17 on new product and product change reviews, regulatory change projects and the firm's financial crime framework, using AI tooling to move faster on drafting, analysis and QA Your experience 3 or more years in a compliance role at an FCA-regulated firm, with direct exposure to consumer credit products Hands-on financial crime experience: reviewing alerts and escalations, drafting or reviewing internal SARs, and solid working knowledge of POCA and the Money Laundering Regulations Practical experience reviewing and approving financial promotions and customer-facing communications against the FCA rules Working knowledge of Consumer Duty and DISP complaints handling, with experience running second-line oversight or QA of complaints, collections or customer support Comfortable preparing written reports and MI for senior stakeholders, and giving clear, practical regulatory advice to first-line teams under time pressure At ease working in a lean team where you pick up the brief early, work through ambiguity and get things done without a large support structure around you Nice to have Experience acting as deputy MLRO or nominated officer cover, and familiarity with vulnerable customer frameworks and Consumer Duty outcomes testing Experience of FCA regulatory returns, outsourcing oversight (IARs) and CONC in a fintech or fast-growing credit business A relevant qualification such as the ICA