Consumer Lending Market Intervention Manager in Leeds

Division: Consumer Finance

Department: Supervision Policy & Competition

Salary: National (Edinburgh and Leeds) ranging from £72,100 to £102,100 and London from £79,300 to £112,300 (salary offered will be based on skills and experience)

This role is graded as: Manager - Regulatory

About the FCA and Team

We regulate financial services firms in the UK, to keep financial markets fair, thriving and effective. By joining us, you’ll play a key part in protecting consumers, driving economic growth, and shaping the future of UK finance services. SPC oversees firms and individuals (supervision), creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition). The Consumer Finance Directorate oversees policy and supervision for over 30,000 firms across consumer credit, claims management and credit unions, aiming to ensure fair access to credit, early support for those in financial difficulty, and timely, high-quality debt advice. Part of the Consumer Finance Directorate, the Market Interventions: Finance, Credit and Debt Services Department supervises a wide waterfront, covering firms across our motor finance, retail finance (including buy-now-pay-later from July), debt collection, purchase and administration, debt advice and credit reference agency portfolios. We work collaboratively to address market harms through proactive and reactive supervision, with a growing emphasis on data-led identification of risks and prioritisation.

Role Responsibilities

• You will lead a frontline supervision team responsible for conducting risk identification and mitigation, including through intervention, across a range of consumer lending firms and products.
• Developing and executing firm supervision work in support of the FCA’s priorities, including multi-firm reviews and work with individual firms.
• Managing a team, including objective setting, performance management, allocating and monitoring workloads and career development/learning needs.
• Where needed, leading cross functional teams on a range of issues and initiatives.
• Play a lead role for the FCA supervising consumer finance firms’ embedding of the consumer duty.
• Representing the FCA to senior external stakeholders, including firms and trade associations and working collaboratively with internal stakeholders.
• Working together with the management in the Directorate to meet its people and other operational objectives and collaborating with peers and the directorate’s leadership to deliver on the Directorate’s diversity, equity and inclusivity aspirations.
• Playing an intrinsic part in the Directorate's leadership and management team contributing to the wider supervisory strategy for consumer finance firms.

Skills Required

• Minimum: Experience of people management, or delivering through others in a value for money environment, and managing different priorities and workload.
• Prior experience setting regulatory strategies, managing regulatory workplans and delivering outputs to support those strategies.
• Prior experience in a role where clear written communication skills have been essential.

• Essential: Strategic and agile thinking on how to supervise many firms effectively to minimise harm.
• Sound judgement and analytical skills: making decisions based on an assessment of the facts, consideration of the options and providing a clear rationale for your recommendation.
• Experience leading financial regulatory/compliance/risk management work at a regulatory agency, advisory firm or in the financial industry, with good FCA Handbook knowledge.
• Digital and data focus, with a commitment to implementing change, including improving colleagues’ digital skills.
• Drive: motivated by challenges and responding positively to them.
• Flexible approach to change and an ability to adapt working styles accordingly.
• Stakeholder engagement: able to identify and manage key stakeholders, to build and maintain constructive relationships, and gain the support of firms and trade bodies for our conduct agenda.
• Commercial awareness: understanding of firms’ business models and what can influence their behaviour.
• Respects the diversity of cultural, social and academic backgrounds in the organisation.

Benefits

• 28 days annual leave plus bank holidays (grade dependent).
• Non-contributory pension (8–12% depending on age) and life assurance at eight times your salary.
• Private healthcare with Bupa, income protection, and 24/7 Employee Assistance.
• 35 hours of paid volunteering annually.
• Hybrid model where employees work a minimum of 40% in the office each month (expectation of 50% for senior leaders). Changing from September to a minimum of 50% in the office each month (expectation of 60% for Directors and Executive Directors).
• A flexible benefits scheme designed around your lifestyle.

Our Values and Culture

Our colleagues are the key to our success as a regulator. We are committed to fostering a diverse and inclusive culture: one that’s free from discrimination and bias, celebrates difference, and supports colleagues to deliver at their best. We believe that our differences and similarities enable us to be a better organisation – one that makes better decisions, drives innovation, and delivers better regulation. If you require any adjustments due to a disability or condition, your recruiter is here to help - reach out for tailored support. We welcome diverse working styles and aim to find flexible solutions that suit both the role and individual needs, including options like part-time and job sharing where applicable.

Disability Confident: our hiring approach

We’re proud to be a Disability Confident Employer, and therefore, people or individuals with disabilities and long-term conditions who best meet the minimum criteria for a role will go through to the next stage of the recruitment process. In cases of high application volumes, we may progress applicants whose experience most closely matches the role’s key requirements.

Useful Information and Timelines

Advert Closes: Sunday 8th March 2026 (midnight)

CV Shortlist: 10th March

First Interview: w/c 16th March

Hays Assessment: w/c 23rd March

Your Recruiter will discuss the process in detail with you during screening for the role, therefore, please make them aware if you are going to be unavailable for any date during this time.