Senior Compliance Business Partner

About Jaja

Our Mission: Empowering our customers to buy, borrow, and build-driven by tech, fuelled by data, and built for the future. Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple

Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.

We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.

We will delight our customers - making the customer experience simpler, more enjoyable, more intelligent - treating customers fairly and giving them more control of their money.

Why Join Us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.

We have a collaborative team structure fuelled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

About The Role

As a trusted adviser to colleagues across the business you'll provide clear, pragmatic, and commercially aware compliance guidance. Your work seeks to enable the business to achieve objectives whilst ensuring products, customer journeys, operational processes, and strategic initiatives meet FCA expectations and deliver good outcomes for our customers.

You will partner closely with teams across the business from Product, Marketing, Credit and Operations to help the business navigate regulatory change, embed Consumer Duty and maintain a strong culture of compliance.

Key responsibilities:

• Provide timely, risk based compliance advice on new products, propositions, marketing activity, operational changes, and customer communications.
• Act as the primary compliance partner for key business areas, building strong relationships and influencing decision making.
• Interpret FCA rules and guidance (CONC, PSR, PRIN, Consumer Duty, SYSC, DISP where relevant) and translate them into practical, actionable requirements.
• Support the design and review of customer journeys, ensuring they are fair, transparent, and aligned with good outcome principles.
• Lead compliance input into change programmes, including regulatory change, digital transformation, and product enhancements.
• Review and challenge business MI, customer outcome testing, and conduct risk indicators, identifying emerging risks and recommending improvements.
• Provide second line oversight of financial promotions, customer communications, and product documentation.
• Contribute to policy development, compliance frameworks, and internal standards.
• Support the preparation for FCA interactions, thematic reviews, and supervisory requests.
• Mentor compliance colleagues and contribute to the continuous improvement of the advisory function.

About You

We're seeking a great communicator who brings strong pragmatic consumer credit compliance expertise. You care deeply about doing the right thing for customers and take pride in helping the business deliver fair, transparent and sustainable outcomes. You're someone who can adapt & thrive in a fast moving credit card environment, staying calm under pressure and adjusting quickly as priorities shift.

You're confident enough to challenge everything when something doesn't feel right, using your experience and knowledge to ask questions and provide grounded, commercially aware challenge.

You're proactive, decisive, and willing to go for it, taking ownership of issues and seeing them through to resolution. You don't just highlight risks - you own it by helping the business find practical solutions that work operationally and meet regulatory expectations.

You're skilled at cutting through complexity and know how to make it simple, turning FCA requirements into clear, actionable guidance that teams can use.

Above all, you're a collaborative partner who builds trust across both compliance and operational functions, influences effectively, and helps shape a culture where doing the right thing is embedded, not bolted on.

Required Skills & Experience:

• Strong experience in a compliance advisory role within an FCA regulated financial services firm, ideally consumer credit.
• In depth understanding of FCA Handbook, including CONC, PSR, PRIN, SYSC, DISP, and Consumer Duty.
• Proven ability to interpret regulation and provide clear, pragmatic advice to senior stakeholders.
• Experience working in or supporting operational teams through product development, customer journey design, or operational change.
• Strong understanding of conduct risk, customer outcomes, and regulatory expectations for credit card lending.
• Excellent communication skills, with the ability to challenge constructively and influence decision making.
• Ability to manage multiple priorities and operate autonomously in a fast moving environment.

Desired:

• Experience in digital first or fintech credit card environments.
• Professional qualifications (e.g. ICA Advanced Certificate or Diploma).
• Experience mentoring or coaching junior compliance professionals.
• Experience engaging with the Regulator.

This role requires a minimum of two days per week on site at our London office. While there are currently no direct reports, the team is growing and this role is expected to take on line management responsibilities in the future.

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.