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FD Capital Recruitment Ltd is registered at Companies House (no. 13329383) and has been providing CFOs and Finance Directors since 2018 and is operated by an ICAEW-registered practice. Our founder Adrian Lawrence FCA holds an ICAEW practising certificate.
Position title
Senior Compliance Manager (SMF16/17) – Consumer Credit / Point-of-Sale Finance
Description
Location: Leicestershire (hybrid – on-site/remote) | Salary: £70,000–£90,000 (depending on experience) + benefits | Type: Permanent (interim/fractional also considered)
The Company
Our client is an established UK point-of-sale consumer finance provider, part of a wider financial services group, offering interest-free and low-cost credit solutions to consumers via a nationwide network of retail and trade partners. Having recently expanded its regulatory permissions from direct lending into credit broking, the business is investing significantly in strengthening its compliance and governance framework to support the next phase of growth, including preparing for external lending partnerships.
The Role
This is a newly created senior compliance appointment, central to the business's regulatory maturity. You will take ownership of the SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting) functions, working closely with the board and an external compliance review partner to close identified gaps and build a robust, scalable compliance infrastructure.
Responsibilities
Key responsibilities:
Hold SMF16/17 responsibilities, acting as the senior regulatory contact with the FCA
Lead and uplift the compliance function, currently under-resourced in regulatory expertise
Oversee implementation of findings from an external compliance review, translating recommendations into practical policy and process change
Manage the transition of regulatory permissions and controls as the business moves from lender to lender-plus-broker
Own AML, financial crime, and consumer duty frameworks
Provide compliance input into new lending partnership arrangements
Report directly to the board on regulatory risk and compliance progress
Qualifications
About You
Proven track record holding SMF16 and/or SMF17 within a consumer credit, lending, or credit broking environment
Strong working knowledge of FCA consumer credit regulation, Consumer Duty, and AML/financial crime frameworks
Experience leading compliance uplift or remediation programmes, ideally following an external review or regulatory scrutiny
Comfortable operating at board level and building compliance capability from a limited base
Available for a hybrid working pattern with regular on-site presence in Leicestershire
Job Benefits
Why Apply
A genuine opportunity to shape the compliance function of a growing, well-backed consumer finance business at a pivotal stage of its regulatory journey — with real influence over strategy, not just oversight.
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Hiring organization
Employment Type
Full-time
Beginning of employment
1st October 2026
Duration of employment
Perm
Industry
Financial Services
Job Location
Leicestershire, United Kingdom
Working Hours
9-5
Base Salary
£70,000-£90,000 Per year
Date posted
August 26, 2026
Valid through
September 30, 2026
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Adrian Lawrence FCA is the founder of FD Capital and a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW). He holds a BSc from Queen Mary College, University of London, and has over 25 years of experience as a Chartered Accountant and finance leader working with private, PE-backed and owner-managed businesses across the UK. He founded FD Capital to connect growing businesses with the Finance Directors and CFOs they need to scale — and personally interviews candidates for senior finance appointments.
