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For Companies At a Glance
- Tasks: Support legal risk management and draft key funding documentation for our mortgage business.
- Company: Join Pepper Money, a leader in innovative financial solutions.
- Benefits: Competitive salary, flexible working options, and opportunities for professional growth.
- Other info: Dynamic team environment with exposure to senior stakeholders and complex transactions.
- Why this job: Make a real impact in the fast-paced world of debt capital markets.
- Qualifications: Qualified solicitor with experience in structured finance and strong negotiation skills.
The predicted salary is between 70000 - 90000 £ per year.
As our Treasury Legal Counsel, you’ll play a key role in supporting Pepper Money's debt capital markets activity, helping shape and maintain the funding structures that underpin our mortgage business. Working closely with our Treasurer, Treasury team, and external counsel, you’ll ensure transactions are executed efficiently, legal risks are well‑managed, and our funding platforms remain robust and compliant.
What you will be doing
- Support the Treasurer in managing legal risk across the Pepper UK business.
- Draft, review and negotiate documentation for securitisations, warehouses, forward flow arrangements and other funding structures.
- Lead or support the legal workstream for RMBS transactions (Castell & Polaris), warehouses, whole loan sales and derivative structures.
- Advise on the legal aspects of new funding structures, treasury initiatives and capital markets issuance.
- Ensure compliance with applicable regulatory frameworks, including UK Securitisation Regulation and PRA/FCA requirements.
- Provide legal input on mortgage product design, origination policies, collateral eligibility and investor expectations.
- Support investor due diligence processes and respond to legal queries from arrangers, rating agencies and institutional investors.
- Manage external counsel relationships, ensuring efficient and commercially focused delivery.
- Review and negotiate ISDA documentation, CSAs and other risk‑management agreements.
- Contribute to internal governance processes including ALCO, Credit Committee and Product Governance.
What we are looking for
- We’re looking for a commercially minded legal professional with deep experience in structured finance and debt capital markets.
- You’ll thrive in a fast‑paced environment, enjoy solving complex problems, and be confident dealing with senior internal and external stakeholders.
- Qualified solicitor status with strong experience in securitisation, structured finance or debt capital markets.
- Strong drafting and negotiation skills, with the ability to communicate complex legal issues clearly.
- Experience working on RMBS or other asset‑backed transactions.
- Understanding of treasury operations, hedging and liquidity management.
- Exposure to private credit markets or whole‑loan sales (advantageous).
- Knowledge of UK regulatory frameworks affecting securitisation and mortgage lending.
- Ability to manage multiple transactions, deadlines and stakeholders in a fast‑moving environment.
- Experience working in‑house within a lender.
Treasury Legal Counsel in London employer: Pepper Money UK
Contact Detail:
Pepper Money UK Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Treasury Legal Counsel in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and legal sectors. Attend industry events or webinars where you can meet potential employers or colleagues. Remember, it’s all about who you know!
✨Tip Number 2
Prepare for interviews by researching the company and its funding structures. Be ready to discuss how your experience aligns with their needs, especially in structured finance and debt capital markets. Show them you’re the perfect fit!
✨Tip Number 3
Don’t just wait for job openings to pop up! Be proactive and reach out directly to companies you admire, like Pepper Money. Express your interest in their work and how you can contribute as a Treasury Legal Counsel.
✨Tip Number 4
Follow up after interviews with a thank-you note. It’s a simple gesture that shows your appreciation and keeps you on their radar. Plus, it’s a great opportunity to reiterate your enthusiasm for the role!
We think you need these skills to ace Treasury Legal Counsel in London
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Treasury Legal Counsel role. Highlight your experience in structured finance and debt capital markets, and don’t forget to mention any relevant projects you've worked on that align with our needs.
Showcase Your Skills: We want to see your strong drafting and negotiation skills shine through. Use specific examples from your past work to demonstrate how you’ve tackled complex legal issues and managed legal risks effectively.
Be Clear and Concise: When writing your application, keep it straightforward and to the point. We appreciate clarity, so avoid jargon and ensure your key achievements are easy to spot. Remember, we’re looking for someone who can communicate complex ideas clearly!
Apply Through Our Website: Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it shows you’re keen to join the Pepper Money team!
How to prepare for a job interview at Pepper Money UK
✨Know Your Legal Stuff
Make sure you brush up on your knowledge of securitisation, structured finance, and debt capital markets. Be ready to discuss specific cases or transactions you've worked on, as this will show your depth of experience and understanding of the legal landscape.
✨Prepare for Complex Scenarios
Expect to be asked about how you would handle complex legal issues or transactions. Think through potential scenarios related to RMBS transactions or funding structures, and be prepared to explain your thought process and decision-making.
✨Showcase Your Communication Skills
Since you'll be dealing with senior stakeholders, practice articulating complex legal concepts in a clear and concise manner. Use examples from your past experiences where you successfully communicated legal risks or negotiated terms with external parties.
✨Understand the Regulatory Landscape
Familiarise yourself with the UK Securitisation Regulation and PRA/FCA requirements. Be ready to discuss how these regulations impact the business and how you can ensure compliance while supporting innovative funding solutions.