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Legal & Compliance Officer at CredPal, Lagos

We are seeking a dedicated Junior Legal and Compliance Officer to ensure our organization operates with integrity and complies with all relevant laws and regulations. Your role is pivotal in maintaining a culture of ethics and compliance, managing licenses, and safeguarding our legal interests. Join us in upholding the highest standards of integrity and regulatory adherence. The Legal & Compliance Assistant will support the Legal and Compliance function of the Company in ensuring that its Buy Now Pay Later (BNPL), consumer credit, and investment operations comply with applicable financial services laws, regulatory requirements; eg.. CBN, SEC, AML/CFT , internal policies, and industry best practices. The role involves contract management, regulatory filings, compliance monitoring, AML/KYC support, data protection oversight, and internal policy administration.

Responsibilities

Legal Support

• Assist in drafting, reviewing, and formatting: Merchant agreements, Customer credit/BNPL agreements, Data processing agreements, NDAs and vendor contracts and Debt recovery and agency agreements
• Maintain and update the contract repository and ensure version control.
• Track contractual obligations, renewal dates, and termination timelines.
• Support due diligence exercises (e.g., partnerships, acquisitions, investors).
• Conduct basic legal research on financial services, lending, consumer protection, and investment regulations.
• Assist in handling pre-litigation matters, disputes, and correspondence with external counsel.

Regulatory & Compliance Support

• Support monitoring of compliance with: Consumer credit regulations, Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws, Data protection and privacy regulations, Financial promotions/advertising rules, Investor protection rules (where applicable)
• Assist in preparing regulatory filings, returns, and responses to regulatory inquiries.
• Maintain compliance registers (e.g., complaints register, breaches log, gifts and conflicts register).
• Assist with internal compliance audits and risk assessments.
• Support implementation and periodic review of compliance policies and procedures.

AML/KYC & Risk Support

• Assist with onboarding checks for merchants, partners, and service providers.
• Review KYC documentation and escalate discrepancies.
• Support monitoring of suspicious activity reports (SARs) where applicable.
• Maintain records in accordance with AML retention requirements.

Data Protection & Information Governance

• Support compliance with applicable data protection laws.
• Maintain data processing records.
• Assist in responding to data subject access requests (DSARs).
• Support internal training on data privacy obligations.

Governance & Reporting

• Prepare internal compliance reports for management.
• Assist in board and committee documentation where required.
• Maintain statutory registers and corporate records.
• Monitor policy acknowledgments and employee compliance certifications.

Key Skills & Competencies

• Strong understanding of: Financial services regulation, Consumer credit/BNPL framework, Basic AML/KYC principles, Contract law fundamentals
• Strong drafting and document review skills
• High attention to detail
• Ability to handle confidential information with discretion
• Strong organisational and record-keeping skills
• Ability to work in a fast-paced fintech environment

Requirements

• Bachelor’s degree in Law (LL.B) or related field
• 2-3 years’ experience in Financial services, Fintech, Consumer lending, Investment company compliance
• Professional certifications (advantageous but not mandatory): ACAMS (AML certification), Compliance certifications, Data protection certification
• Experience in policy development and implementation.
• Strong audit and risk management skills.
• Excellent communication skills for reporting and guidance.
• Proficiency in contract review and legal research.
• Ability to build and maintain relationships with regulatory bodies.
• Investigative skills for handling compliance matters.
• Strong organizational abilities for documentation management.
• Commitment to promoting an ethical organizational culture.
• Adaptability to evolving legal and regulatory landscapes.

Key Performance Indicators (KPIs)

• Timely contract turnaround
• Zero missed regulatory filing deadlines
• Accurate maintenance of compliance registers
• Effective support during audits or regulatory reviews
• Timely resolution/escalation of compliance issues

Nature of the Role in a BNPL/Investment Company Context

• Given the Company operates in consumer credit and possibly investment services, the Legal & Compliance Assistant plays a critical role in:
• Managing underwriting-related compliance documentation
• Supporting debt recovery regulatory alignment
• Ensuring fair treatment of customers
• Monitoring marketing claims to avoid misleading financial promotions
• Supporting investor due diligence readiness

Benefits

• Competitive salary.
• Opportunity to work with a high-growth, innovative fintech company.
• Collaborative and supportive work environment.