Financial Services (Consumer Finance) Senior Associate/Associate Director

Financial Services (Consumer Finance) Senior Associate/Associate Director

Osborne Clarke invites applications for a Senior Associate/Associate Director role within our Financial Institutions Group (FIG), based in London or Bristol, focusing on Consumer Finance.

Overview

Our Consumer Finance practice combines market‑leading financial services and digital business expertise, in‑depth regulatory knowledge, and in‑house consumer credit and payments experience. The practice serves institutional clients, major technology companies and innovators in digital payments and consumer credit, on regulatory issues, product launches and new market developments.

The Team

The FIG group spans London and Bristol offices and comprises 10 Partners, 2 Legal Directors, 7 Associate Directors, 6 Senior Associates, 11 Associates, 4 Trainee Solicitors, 3 Solicitor Apprentices, 1 Senior Paralegal and 4 Paralegals. The role will work closely with Partner Nikki Worden and Legal Director Charlotte Harris, who are based in London, but collaboration across our London and Bristol offices is common.

The Work

Clients include innovators in consumer finance, consumer banking, FinTech and payments, as well as established institutions. The work covers regulated consumer finance advice, point‑of‑sale finance, regulated mortgage and credit product launches, and subscription models. Extended expertise in data privacy, technology and data analytics supports these efforts, and cross‑firm collaboration is frequent in a fast‑moving environment.

Technical Skills and Experience

The role requires a detailed understanding of consumer finance matters and a track record of providing clear legal and strategic advice. The ideal candidate will have:

• Experience advising on the Control of the Consumer Credit (CCA) regime and the Consumer Credit (CONC) Act
• Knowledge of the Money, Credit and Banking (MCOB) Regulation
• Familiarity with Banking Conduct (BOBS) and Financial Services (FSMA) Regulation
• Experience with the Retail (RAO) Consumer Credit Act
• Some payments experience is desirable but not essential

Your Career Development

All lawyers benefit from our multi‑award winning Career Development Programme, which offers:

• Clear role expectations and progression pathways
• High‑quality clients and early responsibility
• Thorough assessment and individual feedback from senior colleagues
• Robust technical training with tailored skill development
• Reward based on contribution, progression and potential rather than PQE or tenure

Salary and Benefits

Competitive salaries and generous benefits are offered.

Apply

Direct applications are welcome. For further information or to apply, contact Angharad Jenkins (Recruitment Manager) at Angharad.Jenkins@osborneclarke.com.

Recruitment Process

Applications are reviewed on a rolling basis. Osborne Clarke does not use automated decision‑making. We are committed to an inclusive recruitment experience and will provide adjustments during application, interview or onboarding stages in confidence.

About Us

Osborne Clarke is an international legal practice with over 330 Partners and more than 1,260 lawyers in 26 locations. Our sector‑based approach helps clients tackle current and future challenges. Diversity and inclusion are core values, and we encourage applicants from all backgrounds. The firm values health, wellbeing and a supportive culture.

Job Details

• Seniority level: Mid‑Senior level
• Employment type: Full‑time
• Job function: Legal
• Industry: Law Practice

Link to further practice information: https://www.osborneclarke.com/services/banking-and-finance/consumer-finance/

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