Job Title: Senior Payments Lawyer (Manager)

Location: London / Nottingham - Hybrid

Working Pattern: 3 days in-office (Tuesday-Thursday) and 2 days remote.

Our Mission

We’re on a mission to be a force for good in lending. Throughout our almost 30-year history, we’ve consistently been recognised as a great place to work; in 2026, Capital One was officially ranked 9th in the UK’s Best Workplaces™ list. Hear from our team about what it’s like working at Capital One UK.

About the Role

As a Senior Payments Lawyer in the UK Card Products Legal Team at Capital One you will be responsible for leading the delivery of payment services advice across the business.  Partnering with senior business leaders, you will advise on products and propositions from concept through to launch and scaling, including advising on licensing and authorisation initiatives.  Regular horizon scanning and preparing comprehensive reports for senior stakeholders on regulatory trends will be an essential part of your remit to ensure the business is well prepared for emerging risks.  Team management is also a key part of this role, including objectives setting and performance management.

What you’ll do

• Product Counsel: Provide legal and regulatory advice on payment services and card schemes from ideation through to launch, with a focus on the UK.
• Drafting Terms and Conditions and Associated Documentation: Drafting and maintaining customer-facing legal documents for new products and propositions, including terms and conditions and regulatory disclosures.
• Teamwork: Collaborating with Compliance and AML colleagues to embed legal thinking into Capital One’s product lifecycle and marketing strategies.
• Reporting & Horizon Scanning: Conduct continuous horizon scanning to monitor key legal developments and payment trends, including working with External Affairs colleagues. Preparing reports and strategic updates for senior management to ensure impact.
• External Engagement: Manage external parties, including external counsel.
• People Leadership: Managing team members and contributing to an engaging, inclusive, and high-performing team environment.
• Refining Processes: Stand-up and refine processes that make legal workflows more efficient and user-friendly for business partners, including through AI.

What we’re looking for

• You are a UK qualified lawyer with significant experience of advising on payment services, ideally in a retail banking and consumer credit/cards environment.  Ideally you will have a strong mix of regulatory and technology experience in a payments context, such as advising on Open Banking and the application of payment services regulations to a varied product set.
• You have a strong understanding of financial regulation, including payment services regulation across the UK (and possibly also the EU).
• You are comfortable with technology and AI, including using AI to streamline internal processes and workflows.
• Strong legal research and horizon-scanning skills to pre-emptively identify risks.
• An ability to understand complex topics quickly with depth that allows for the delivery of actionable, commercial insights.
• Someone who takes proactive ownership of key tasks with excellent stakeholder management, reporting, and appropriate escalation.
• Someone who is results-focused and receptive to feedback, with a desire to own and drive continuous development.
• Ideally someone with team management experience.

Where and how you'll work

This is a permanent position based in our Nottingham / London office. 

We embrace a hybrid approach to work. You'll spend three days a week in the office (Tuesday-Thursday), with Monday and Friday being dedicated work-from-home days.

Our offices are designed to inspire and support you. At our Nottingham head office, you'll find an on-site gym, restaurant and dedicated Learning Loft. Our London office boasts a rooftop running track and coffee bar. 

What’s in it for you

We invest in the growth of our people alongside our business. You will have extensive opportunities to learn and develop your career, including access to up to £5,000 in funding for external qualifications.

In addition to career development, our comprehensive benefits package is designed to grow with you, ensuring your wellbeing is prioritised at every stage of your career:

• Wealth & Future: Competitive pension and performance-based bonus schemes
• Holidays: Start with 25 days of annual leave, increasing with tenure. Need more? You have the option to buy 5 additional days.
• Health: Access premium care through our private medical insurance.
• Family Support: We champion your milestones with enhanced parental leave.

A full list of our benefits is available here.

What you should know about how we recruit

We pride ourselves on hiring the best people, not the same people. Building diverse and inclusive teams is the right thing to do and the smart thing to do. We want to work with top talent: whoever you are, whatever you look like, wherever you come from. We know it’s about what you do, not just what you say. That’s why we make our recruitment process fair and accessible. 

We value diversity, inclusion and belonging at our core. We empower our associates to do great work by creating an inclusive culture—one that values diverse perspectives, fosters collaboration and encourages innovative ideas—and a place where associates of all backgrounds can thrive by bringing their most authentic selves to work. We call this our Culture of Belonging, and it rests at the heart of our business.

Our associate-led Business Resource Groups were created to help support our diverse population and include over 10 groups across our offices. Because each Business Resource Group is as unique as the population it serves, they offer a range of activities, networking opportunities, special events and learning programmes to associates.

If you require a reasonable adjustment, please contact ukrecruitment@capitalone.com  All information will be kept confidential and will only be used for the purpose of applying a reasonable adjustment.