Treasury Legal Counsel

Working in our fast paced, successful Treasury team in our London office there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

We really do believe that it’s our people who are our main competitive advantage – the ‘thing’ that sets us apart from our competitors.

Our passion is to ‘Help People Succeed’. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

What you will be doing 

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.

You will:

• 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.

You will bring:

• 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

In return for your commitment, you’ll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we’d love to hear from you.

We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.