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Job Description Summary

Job Description

• JOB TITLE: Lawyer - Cards, Loans & Transport (Lex Autolease)
• SALARY: £82,539 - £91,710
• LOCATION(S): Chester, Cardiff, Edinburgh, Halifax or London
• 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

This is an excellent opportunity to join a vibrant, dedicated, value adding legal team who work hand in hand with the business to build excellent customer outcomes!

Why Lloyds Banking Group!

We’re on an exciting journey to transform our Group and the way we’re crafting finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a phenomenal place for everyone. Including you.

Our vision within CLT Legal is to “Protect, Influence, Empower”. We align with the aims of the business 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 valuable contributions with our commercial insight, whilst ensuring customers receive fair and consistent treatments.

Through the Transport division (Black Horse and Lex Autolease) we offer vehicle finance and leasing facilities for both personal and business customers. Black Horse is the leading independent provider of non-captive motor finance. Providing point-of-sale finance to over 900,000 end customers supporting them to purchase their vehicle of choice through 4,700 dealerships.
Lex Autolease is the UK's largest vehicle leasing and fleet management provider supporting 140,000 business and consumer customers, from sole traders to large multi-nationals. It has a fleet size of over 350,000 vehicles, including cars, vans, mini-buses and emergency vehicles.

What are we looking for!

You’ll report to a Senior Lawyer within the team.

You’ll 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.

Ideally, you will have technical knowledge of consumer credit law, general consumer law as well as applying FCA Principles, FCA rules (e.g. CONC), Payment Services Regulations, and other requirements applying to the products we support (unsecured credit, hire and hire purchase).

In addition, going forward implementing the higher standard of customer treatment under Consumer Duty will be a key requirement.

On the Transport side, having experience in drafting and negotiating commercial contracts with a good knowledge of commercial law and data protection law would also be valuable.

You’ll be required to deputise for Senior Lawyers when required.

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.

Key Accountabilities:

As a Lawyer in the team, you’ll 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. This includes the ability to support and provide legal advice on the following:

• customers in financial difficulty/insolvency
• customer complaints
• rectifications & remediations
• consumer duty
• digital journeys
• customer terms & conditions reviews
• new product offerings
• legal developments (statutory or otherwise)
• risks to ensure they are addressed and appropriately raised, reported, escalated and shared
• training needs of the businesses we support
• dealer, broker and manufacturer contracts
• data protection
• IT and data sharing based contracts including API relationships

You’ll have the opportunity to get involved in all three business areas but for this role your focus will be on hire/hire-purchase products for consumer and commercial customers and issues affecting the Transport business.

Deliver legal technical input to influence projects, with a significant impact across the Group or a number of Business divisions.

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 issues to Consumer Finance.

In addition, you will:

• 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 particular Digital Engagement, Finance, Risk, CCOR and Operations;
• help to deliver the engagement model between Legal and our customers; and
• participate in Legal and Secretariat community projects.

Key Capabilities

• At least, a qualified solicitor with a minimum of 3 years post qualification experience (or have equivalent legal qualification or experience).
• Responsibility for the provision of high quality legal and commercial advice and support to relevant partners on a wide range of their needs.
• Sound legal, commercial and risk judgement and understand and build an effective Legal risk management framework.
• Build effective working partnerships and consensus, applying positive relationship management and interpersonal skills.
• Required to work effectively with management and executives across a variety of functions, not only to ensure compliance with legal requirements but also to proactively challenge, advise and influence management on legal issues.
• Thrive on challenge and be able to balance multiple competing demands through uncertainty or ambiguity.
• Positively influence others by role modelling core LBG values and behaviours.

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it’s why we especially welcome applications from under-represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

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

Want to do amazing work, that’s interesting and makes a difference to millions of people? Join our journey.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.