Job Description

End Date Friday 22 September 2023

Salary Range \xc2\xa3105,400 - \xc2\xa3124,000

Agile Working Options Flexibility in when hours are worked, Hybrid Working

Summary 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!

• JOB TITLE: Senior Lawyer - Cards, Loans & Transport Legal (Blackhorse & Lex) 12 Month FTC
• SALARY: \xc2\xa3105,400 - \xc2\xa3124,000
• 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!

The Cards, Loans and Transport businesses sit in the Consumer Lending division led by Jas Singh. The fundamental nature of those businesses are to offer lending and financing for consumers and vehicle leasing to businesses in the UK.

Why Lloyds Banking Group!

We\xe2\x80\x99re on an exciting journey to transform our Group and the way we\xe2\x80\x99re crafting finance for good. We\xe2\x80\x99re 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 \xe2\x80\x9cProtect, Influence, Empower\xe2\x80\x9d. We align with the aims of the business we support in demonstrating the Group\xe2\x80\x99s 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\xe2\x80\x99ll provide insightful, commercial advice, and legal expertise to senior business and support partners, and facilitate the delivery of excellent outcomes for customers across the Black Horse and Lex Autolease businesses.

We\'d like you to have 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).

Equally important for the role is knowledge and experience in asset finance, drafting and negotiating commercial contracts and advising and documenting data protection matters / issues.

Using your technical expertise to provide specialised training or mentoring to others.

You will also be encouraged to work 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 relevant to the businesses we support.

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 Senior Lawyer in the team you\xe2\x80\x99ll be encouraged to provide advice on

• drafting and negotiation of commercial contracts including: outsourcing agreements, supplier agreements, customer terms and conditions, bespoke customer contracts, manufacturer contracts, novations and standard form templates
• reviewing and advising on data flows, data protection, data sharing agreements and cyber incidents
• new product offerings
• customer communications
• tenders, requests for information and proposals
• customer issues, queries, contracts and disputes
• customers in financial difficulty/insolvency
• rectifications & remediations
• the new consumer duty standard
• digital journeys
• legal developments (statutory or otherwise)

In addition you\xe2\x80\x99ll be asked to:

• ensure risks are addressed and appropriately raised, reported, escalated and shared.
• meet training needs of the businesses are met
• 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 with external legal firms to support the business
• 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
• initiate, lead and participate in Legal and Secretariat community projects

For this role your focus will be twofold (1) supporting Black Horse products from maintaining relationships with manufacturers to the onboarding of dealers and finally, all aspects of the customer journey for regulated hire purchase and PCP agreements (2) on leasing and issues affecting the Lex Autolease business including customers, suppliers and manufacturers. Part of that may include being the point of contact and building strong partner relationships with the senior leadership team.

Key Capabilities

• At least, a qualified solicitor with a minimum of 5 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 senior management and executives across a variety of functions, not only to ensure compliance with legal requirements but also to proactively challenge, advise and influence senior 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\xe2\x80\x99s why we especially welcome applications from under-represented groups. We\xe2\x80\x99re disability confident. So if you\xe2\x80\x99d 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\xe2\x80\x99 holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Want to do amazing work, that\xe2\x80\x99s 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\xe2\x80\x99re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Lloyds Banking Group