Love Finance: New Vacancy - Compliance Manager (SMF16)
Company: Love Finance Limited
Location: Birmingham or London (Hybrid) – 2 days per week in the office, at least one day must be Birmingham-based per week
Role Type: Full-Time – Permanent
Salary: £65,000 to £85,000 per annum
Training: Ongoing training will be provided for this role
About Love Finance:
Love Finance is an ambitious, technology-driven lender dedicated to delivering fast, fair, and innovative finance solutions to SMEs across the UK. As we continue to scale, we are seeking an experienced Compliance Manager (SMF16) to take ownership of our compliance strategy, regulatory framework, and ongoing relationship with the FCA. This is a pivotal leadership role, offering genuine influence over our governance, risk culture, and long-term strategic direction.
About the Role of Compliance Manager SMF16:
The Compliance Manager will take overall responsibility for the design, implementation, and oversight of Love Finance Limited’s compliance and regulatory framework. Acting as the firm’s SMF16, they will serve as the primary liaison with the FCA, ensuring the business operates in full accordance with relevant regulations while enabling sustainable commercial growth. The role covers SME lending, consumer credit, and future regulated propositions, including EMI/Payment Services, Retail Banking, and Credit Cards.
Key Responsibilities of the Compliance Manager SMF16
Regulatory Oversight & Governance
- Hold overall responsibility for FCA compliance, including SYSC, CONC, PRIN, COCON, SMCR and DISP
- Maintain an open and cooperative regulatory relationship with the FCA
- Advise COO, CEO and Board on compliance risk and regulatory expectations
- Ensure senior management fit & proper requirements under SMCR
- Lead the Compliance Monitoring Plan and Risk Control Framework
Policy & Control Framework
- Design, maintain, and embed compliance policies across conduct, promotions, complaints, whistleblowing, ABC & data protection.
- Ensure systems meet Consumer Duty, Treating Customers Fairly and fair value obligations.
- Conduct regulatory horizon scanning and thematic reviews.
- Develop governance for Credit, EMI & future banking permissions.
Monitoring, MI & Reporting
- Deliver the Compliance Monitoring Plan and maintain the Breach Log.
- Produce MI for Board/Audit & Risk Committee.
- Liaise with internal/external audit and ensure remediation tracking.
- File FCA notifications, returns and regulatory submissions.
Training & Cultural Leadership
- Promote a strong conduct and compliance culture.
- Deliver structured training to all staff.
- Provide first‑line advisory support and ensure ownership of controls.
External Regulatory Liaison
- Act as the primary contact for the FCA and relevant authorities.
- Manage regulatory notifications, returns, and correspondence.
- Lead responses to regulatory requests and thematic reviews.
- Represent the firm in appropriate external forums.
About You as Compliance Manager SMF16:
Essential
- Minimum 5 years’ experience in a compliance/regulatory role within a UK bank, lender, or FCA-regulated institution.
- Strong working knowledge of the FCA Handbook (particularly SYSC, CONC, PRIN, DISP).
- Proven readiness to hold (or previously held) SMF16 approval.
- Experience designing and embedding compliance frameworks and monitoring programmes.
- Strong grasp of Consumer Duty, SMCR, and Conduct Risk requirements.
- Excellent communication skills with the confidence to engage effectively at Board and regulator level.
- Strong analytical and drafting abilities with exceptional attention to detail.
Desirable
- Experience in a non-bank lender, fintech, or broker-lender environment.
- Understanding of credit risk, underwriting, and portfolio controls.
- Professional qualifications (ICA, CISI, or equivalent).
- Experience leading or mentoring compliance professionals.
Personal Qualities
- Integrity, independence, and strong ethical judgement.
- Commercial pragmatism and balanced decision-making.
- Credibility and influence at senior levels.
- Strategic mindset with the ability to anticipate regulatory trends.
- Collaborative and proactive approach.
What We Offer
- A key leadership role in a fast-growing, technology-led lender.
- Direct impact on our regulatory strategy and corporate governance.
- Competitive salary and benefits package.
- Hybrid working with a Birmingham HQ.
- A culture built on professionalism, accountability, innovation, and ambition.
Love Finance: New Vacancy - Compliance Manager (SMF16)
Company: Love Finance Limited
Location: Birmingham or London (Hybrid) – 2 days per week in the office, at least one day must be Birmingham-based per week
Role Type: Full-Time – Permanent
Salary: £65,000 to £85,000 per annum
Training: Ongoing training will be provided for this role
About Love Finance:
Love Finance is an ambitious, technology-driven lender dedicated to delivering fast, fair, and innovative finance solutions to SMEs across the UK. As we continue to scale, we are seeking an experienced Compliance Manager (SMF16) to take ownership of our compliance strategy, regulatory framework, and ongoing relationship with the FCA. This is a pivotal leadership role, offering genuine influence over our governance, risk culture, and long-term strategic direction.
About the Role of Compliance Manager SMF16:
The Compliance Manager will take overall responsibility for the design, implementation, and oversight of Love Finance Limited’s compliance and regulatory framework. Acting as the firm’s SMF16, they will serve as the primary liaison with the FCA, ensuring the business operates in full accordance with relevant regulations while enabling sustainable commercial growth. The role covers SME lending, consumer credit, and future regulated propositions, including EMI/Payment Services, Retail Banking, and Credit Cards.
Key Responsibilities of the Compliance Manager SMF16
Regulatory Oversight & Governance
- Hold overall responsibility for FCA compliance, including SYSC, CONC, PRIN, COCON, SMCR and DISP
- Maintain an open and cooperative regulatory relationship with the FCA
- Advise COO, CEO and Board on compliance risk and regulatory expectations
- Ensure senior management fit & proper requirements under SMCR
- Lead the Compliance Monitoring Plan and Risk Control Framework
Policy & Control Framework
- Design, maintain, and embed compliance policies across conduct, promotions, complaints, whistleblowing, ABC & data protection.
- Ensure systems meet Consumer Duty, Treating Customers Fairly and fair value obligations.
- Conduct regulatory horizon scanning and thematic reviews.
- Develop governance for Credit, EMI & future banking permissions.
Monitoring, MI & Reporting
- Deliver the Compliance Monitoring Plan and maintain the Breach Log.
- Produce MI for Board/Audit & Risk Committee.
- Liaise with internal/external audit and ensure remediation tracking.
- File FCA notifications, returns and regulatory submissions.
Training & Cultural Leadership
- Promote a strong conduct and compliance culture.
- Deliver structured training to all staff.
- Provide first‑line advisory support and ensure ownership of controls.
External Regulatory Liaison
- Act as the primary contact for the FCA and relevant authorities.
- Manage regulatory notifications, returns, and correspondence.
- Lead responses to regulatory requests and thematic reviews.
- Represent the firm in appropriate external forums.
Requirements
About You as Compliance Manager SMF16:
Essential
- Minimum 5 years’ experience in a compliance/regulatory role within a UK bank, lender, or FCA-regulated institution.
- Strong working knowledge of the FCA Handbook (particularly SYSC, CONC, PRIN, DISP).
- Proven readiness to hold (or previously held) SMF16 approval.
- Experience designing and embedding compliance frameworks and monitoring programmes.
- Strong grasp of Consumer Duty, SMCR, and Conduct Risk requirements.
- Excellent communication skills with the confidence to engage effectively at Board and regulator level.
- Strong analytical and drafting abilities with exceptional attention to detail.
Desirable
- Experience in a non-bank lender, fintech, or broker-lender environment.
- Understanding of credit risk, underwriting, and portfolio controls.
- Professional qualifications (ICA, CISI, or equivalent).
- Experience leading or mentoring compliance professionals.
Personal Qualities
- Integrity, independence, and strong ethical judgement.
- Commercial pragmatism and balanced decision-making.
- Credibility and influence at senior levels.
- Strategic mindset with the ability to anticipate regulatory trends.
- Collaborative and proactive approach.
What We Offer
- A key leadership role in a fast-growing, technology-led lender.
- Direct impact on our regulatory strategy and corporate governance.
- Competitive salary and benefits package.
- Hybrid working with a Birmingham HQ.
- A culture built on professionalism, accountability, innovation, and ambition.
Top Skills
What We Do
At Love Finance, we’re here to support small businesses, whatever it takes and however we can, we love finding a way...
We’re not your grandad’s finance company. Finance has a rep for being tedious, here’s to making it fun (and not just for the accountants!)
Enquire in 60 seconds, see your eligibility in 5 minutes, and get paid in as little as 4 hours.
We’ve helped over 6,000 customers access more than £300m since 2016 and we’re not finished yet.
