A bit about the role...
The Regulatory Compliance Manager is a key role within Propensio Finance’s second line of defence, reporting to the Head of Compliance (SMF16).
You will lead the delivery and oversight of day-to-day compliance activity, ensuring regulatory obligations are met through consistent, high-quality monitoring, advisory, and policy management.
Managing a small team, you will set standards, review outputs, and drive improvement across the compliance framework. You will oversee the provision of regulatory advice, support the effective identification and reporting of compliance risks, and ensure appropriate controls are embedded across the business.
This role is central to ensuring that Consumer Duty, CONC, the Consumer Credit Act, FCA requirements, GDPR, and internal policies are applied consistently, while providing assurance and support to the Head of Compliance across key regulatory responsibilities.
A bit about you…
An experienced compliance professional with a strong background in consumer credit, you bring a proven ability to lead and develop others within a regulated environment.
You will also have a strong understanding of the FCA regulatory framework, including CONC, Consumer Duty, SYSC, PRIN, the Consumer Credit Act, and GDPR, and the ability to apply these requirements in a practical and commercially balanced way. Comfortable operating across both delivery and oversight, you will be able to balance hands‑on technical work with review and challenge, ensuring outputs are accurate and aligned to regulatory expectations. You engage confidently with senior stakeholders, influencing decision‑making where required, and bring a structured, pragmatic approach with strong attention to detail and the ability to communicate complex regulatory requirements clearly and effectively.
Who are we?
Propensio Finance plays a leading role in the Consumer Finance Industry, as one of the most successful Home Improvement Lenders in the UK. We have the appetite, influence, expertise, and resource to drive positive market change, and our mission is to ensure more people have access to funds to improve lives through lending.
What we offer...
As well as a competitive annual salary of up to £45,000, we offer:
· 25-days annual leave entitlement, plus bank holidays (lieu day if worked)
· Extra day holiday for each full calendar year worked (up to 5 extra days)
· Free onsite parking
· An employee assistance programme, financial wellbeing support, and access to many great discounts with leading high street names.
· Salary sacrifice scheme
· Professional memberships subscriptions applicable to the role and the business
· 4 x salary life assurance cover
· Scottish Widows workplace Pension contribution
· Free parking within the Business Park
· A Continuous Learning Programme to support your development
· A collaborative, supportive working environment within a growing specialist lender
Responsibilities
People Manager and Oversight
· Manage, support, and develop the Compliance team, setting clear objectives and performance expectations
· Provide oversight and guidance to ensure consistent, high-quality delivery across all compliance activities
· Build capability within the team through coaching and development
Compliance Delivery and Control
· Own the delivery of the Compliance Monitoring Plan, ensuring reviews are completed to a high standard and within agreed timelines
· Review and challenge compliance outputs to ensure accuracy, consistency, and appropriate assessment of regulatory risk
· Oversee identification, escalation, and resolution of compliance issues, ensuring timely and effective remediation
· Promote a strong compliance culture through visible engagement and clear guidance
· Identify and implement improvements to compliance processes and controls
Policy, Advisory and Regulatory Framework
· Oversee the policy framework, ensuring documentation remains current and aligned to regulatory requirements
· Ensure the effective provision of regulatory advice to the business, providing guidance and constructive challenge where required
· Monitor regulatory developments and support the implementation of regulatory change across the business
Governance and Reporting
· Consolidate compliance reporting and provide clear insight to senior management and governance forums
· Support regulatory reporting and audit activity, ensuring actions are tracked and resolved
· Act as a key support to the Head of Compliance, providing assurance over day-to-day compliance activity
Requirements
We are seeking an experienced compliance professional with a strong background in consumer credit and FCA regulated environments bringing a solid understanding of the regulatory landscape that applies to specialist lenders, able to provide clear advice and proportionate challenge from day one.
You will also bring:
Experience
· Working in regulatory compliance within consumer credit or a closely related lending environment
· Managing or mentoring colleagues and supporting team development
· Conducting compliance monitoring reviews and producing clear, actionable outputs
· Reviewing or challenging compliance work, or operating quality assurance processes
· Supporting regulatory change or compliance improvement initiatives
Knowledge
· Strong understanding of FCA regulatory requirements, including CONC, Consumer Duty, SYSC, PRIN and the Consumer Credit Act
· Practical understanding of GDPR and data protection requirements
· Understanding of compliance frameworks, policy management, and regulatory controls
Skills and Competencies
· Strong communication and influencing skills, with the ability to engage stakeholders at all levels
· Ability to provide proportionate challenge while maintaining collaborative relationships
· Strong organisational skills and ability to manage competing priorities
· Attention to detail and commitment to high standards
· Leadership capability with a focus on accountability and development
Pay: Up to £45,000.00 per year
Work Location: In person
