Manager Consumer Contracts Team in Edinburgh

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 financial services in the UK.

SPC oversees regulated firms and individuals (Supervision), creates and reviews the rules by which they operate (Policy) and identifies and remedies ineffective competition in markets (Competition). We are seeking an experienced and collaborative leader to manage the Consumer Contracts Team (CCT), a specialist team focused on protecting consumers by ensuring firms use fair, transparent and accessible contract terms and treat customers fairly throughout their contractual relationships.

As Manager of the CCT, you will lead a team of specialists responsible for addressing unfair or unclear contract terms through a combination of legal expertise, regulatory insight and stakeholder engagement. You will provide direction across the team's casework, projects and policy activities, working with internal and external stakeholders to deliver our statutory objectives and support key FCA priorities, including Consumer Duty and the review of Claims Management practices.

• Manage, support and develop a team of contract law specialists, creating an inclusive environment where people can thrive, collaborate and deliver shared success.
• Shape a positive team culture that promotes wellbeing, continuous learning and high-quality outcomes for consumers.
• Oversee complex referrals and casework, helping secure fair treatment and redress for consumers where appropriate.
• Carry out proactive projects that identify and reduce risks arising from unfair or unclear contract terms, improving outcomes across financial services.
• Lead policy development and maintain regulatory guidance under the Consumer Rights Act 2015 and Unfair Terms in Consumer Contracts Regulations 1999, helping to shape standards across the sector.
• Build good relationships with internal and external stakeholders to support consumer protection, help guide FCA priorities and help improve outcomes for millions of consumers across the UK.

• Minimum: Prior experience working in a regulatory, enforcement, legal or compliance environment, with a clear focus on fairness, consumer protection and accountability.
• Prior experience leading and developing teams, focused on enabling delivery through others and creating an inclusive, high-performing culture.
• Prior experience engaging and influencing senior stakeholders, using clear written and verbal communication to build trusted relationships and explain complex issues effectively.
• Essential: Legal or regulatory experience, ideally with knowledge of unfair terms legislation, including the Consumer Rights Act 2015.
• Advanced analytical skills and practical judgment, with the ability to weigh complex legal and regulatory risks.
• Ability to balance strategic thinking with attention to detail and deliver high-quality outcomes.
• Build effective relationships and collaborate with colleagues and stakeholders to meet shared objectives.
• Familiarity with the FCA Handbook, particularly UNFCOG and the Consumer Duty.
• A deep commitment to consumer protection and delivering positive outcomes for consumers.
• Willingness to learn, curiosity and the ability to adjust in an evolving regulatory setting.

• 28 days annual leave plus bank holidays.
• Hybrid model where employees work a minimum of 40% in the office each month (expectation of 50% for senior leaders).
• 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.
• A flexible benefits scheme designed around your lifestyle.

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.

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.

Timeline: Job advert close: 4th August 2026 at Midnight. CV Review/Shortlist: 5th and 6th August 2026. 1st Stage Interviews: W/C 10th August 2026. Assessment: W/C 17th August 2026. 2nd Stage Interviews: W/C 7th September 2026.