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- Tasks: Support legal aspects of funding structures and manage legal risks in a fast-paced environment.
- Company: Join Pepper Money, a leader in mortgage business with a dynamic team.
- Benefits: Enjoy competitive salary, hybrid working, training opportunities, and health support.
- Why this job: Make a real impact in structured finance and work with senior stakeholders.
- Qualifications: Qualified solicitor with experience in securitisation and strong negotiation skills.
- Other info: Thriving environment with opportunities for personal and professional growth.
The predicted salary is between 70000 - 90000 ÂŁ 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.
- 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, bank or financial institution (preferred).
- Familiarity with specialist mortgage products such as BTL, second charge or non‑prime.
- Personal qualities including a commercial mindset, strong stakeholder management, attention to detail, and a solutions‑focused approach.
Some of the benefits we provide are:
- Competitive salaries and bonus schemes.
- Hybrid home/office working arrangements.
- Regular training and opportunities to learn and grow.
- Holiday leave plus bank holidays.
- Medical insurance cover.
- Life insurance.
- Health and wellbeing support.
Treasury Legal Counsel 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
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join relevant groups on LinkedIn, and don’t be shy about reaching out to professionals who are already in roles you aspire to. You never know who might have the inside scoop on job openings or can refer you directly.
✨Ace the Informational Interview
Set up informal chats with folks working in treasury or legal roles. This isn’t just about asking for a job; it’s about learning from their experiences and getting advice on how to navigate your career path. Plus, it helps you build relationships that could lead to job opportunities down the line.
✨Showcase Your Skills
When you get the chance to meet potential employers, make sure to highlight your relevant experience in structured finance and debt capital markets. Bring examples of your work, like successful negotiations or complex problem-solving scenarios, to demonstrate your value right off the bat.
✨Apply Through Our Website
Don’t forget to check out our careers page at StudySmarter! Applying directly through our website not only shows your interest but also gives you a better chance of being noticed by hiring managers. So, get your application in and let’s get you on board!
We think you need these skills to ace Treasury Legal Counsel
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your experience in structured finance and debt capital markets. We want to see how your skills align with the role of Treasury Legal Counsel, so don’t hold back on showcasing relevant projects!
Show Off Your Drafting Skills: Since strong drafting and negotiation skills are key for this role, include examples of documents you've drafted or negotiated. We love seeing clear communication of complex legal issues, so make it easy for us to spot your expertise!
Highlight Your Regulatory Knowledge: Don’t forget to mention your understanding of UK regulatory frameworks affecting securitisation and mortgage lending. This is crucial for the role, and we want to know how you’ve navigated these regulations in your previous positions.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at Pepper Money!
How to prepare for a job interview at Pepper Money UK
✨Know Your Stuff
Make sure you brush up on your knowledge of structured finance and debt capital markets. Familiarise yourself with the specifics of securitisation, RMBS transactions, and the UK regulatory frameworks. This will not only help you answer questions confidently but also show that you're genuinely interested in the role.
✨Showcase Your Drafting Skills
Be prepared to discuss your drafting and negotiation experience. Bring examples of documentation you've worked on, like ISDA agreements or securitisation contracts. This will demonstrate your practical skills and give you a chance to highlight your attention to detail.
✨Engage with Stakeholders
Since the role involves working closely with various stakeholders, think about how you can showcase your stakeholder management skills. Prepare examples of how you've successfully navigated complex relationships in previous roles, especially in fast-paced environments.
✨Ask Insightful Questions
Prepare thoughtful questions about the company's funding structures and treasury initiatives. This shows that you're not just focused on getting the job but are also keen to understand how you can contribute to Pepper Money's success. It’s a great way to demonstrate your commercial mindset!