Compliance Monitoring Specialist in Manchester

About Jaja

Jaja is a UK-based consumer finance business focused on delivering simple, intelligent customer experiences in a regulatory environment. Our mission is to empower customers to buy, borrow, and build, driven by tech, fueled by data, and built for the future. Our values are: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple. We are an innovative company launching digital solutions (including a digital credit card in 2018) and a pipeline of consumer finance solutions. We aim to redefine the consumer finance experience, reduce complexity, save time, and increase customer control over money. We are committed to treating customers fairly and delivering delightful experiences.

About The Role

As a Compliance Monitoring Specialist, you will provide independent assurance that the business meets regulatory requirements and delivers good customer outcomes. Your work will assess how effectively risks are managed across products, customer journeys, and operational processes. You will deliver monitoring reviews, identify weaknesses or gaps, and support the business in making sustainable improvements. You will work with teams across Product, Marketing, Credit, Operations, and Customer Service to understand processes, test controls, and assess whether they meet regulatory expectations, including Consumer Duty. Your insights will strengthen the control environment, reduce conduct risk, and maintain a culture of compliance.

Key Responsibilities

• Conduct thematic reviews, customer journey reviews, deep dives, and ongoing monitoring activity in line with the annual compliance monitoring plan.
• Assess the effectiveness of controls, processes, and customer journeys against applicable rules and expectations including FCA, CCA and ICO.
• Identify risks, issues, and root causes, providing clear, actionable recommendations.
• Suggest improvements to processes, controls, and customer outcomes based on review insights.
• Produce high-quality monitoring reports for senior management and governance committees.
• Track actions and support the business in implementing sustainable fixes.
• Support horizon scanning and regulatory change assessments.
• Champion Consumer Duty principles and help embed good outcome thinking across the business.
• Contribute to the continuous improvement of monitoring methodologies, testing approaches, and reporting standards.
• Support training or awareness sessions where monitoring insights highlight learning opportunities.
• Support with policy governance, coordinating timely review and sign off.

About You

You’re someone who cares deeply about doing the right thing for customers and takes pride in producing high-quality, thoughtful work. You’re proactive and willing to go for it, taking ownership of reviews and driving them through to completion with confidence and clarity. You’re comfortable challenging everything—processes, assumptions, and risks—while maintaining strong, constructive relationships. You have a talent for making it simple, turning complex regulatory expectations into clear insights that others can act on. You own it, taking responsibility for your findings and following through on actions. You’re resilient, curious, and able to adapt and thrive in a fast-moving environment where priorities shift and new risks emerge. Above all, you’re motivated by helping the business deliver good outcomes and maintain a strong culture of compliance.

Required Skills & Experience

• Experience in compliance monitoring, audit, risk, or a similar oversight role within UK financial services.
• Strong understanding of FCA rules, particularly CONC, PSR, SYSC, DISP, and Consumer Duty.
• Ability to analyse processes, controls, and data to identify risks and issues.
• Excellent written communication skills, with the ability to produce clear, concise reports.
• Strong stakeholder management skills and the confidence to challenge constructively.
• Highly organised, with the ability to manage multiple reviews and deadlines.

Desired

• Experience in credit cards, consumer credit, or retail lending.
• Knowledge of data analytics or monitoring automation tools.
• Professional qualifications (e.g., ICA or similar).
• Experience working in a fast-paced, growing financial services environment.

What’s in it for you?

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.
• Competitive salary.
• Potential for part-time working around other/family commitments.
• Pension contributions.
• Bonus potential.
• Private medical cover.
• 25 days annual leave (FTE) plus UK bank holidays and your birthday off (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
• 4x life insurance cover.
• Employee assistance program.