Legal & Compliance Officer (Portuguese Branch)
Lisbon, Portugal
Legal, Internal control & Compliance – Compliance /
Full Time /
Hybrid
We are Younited, Europe's leading provider of instant credit, operating in four countries: France, Spain, Italy, and Portugal. We are publicly listed on Euronext, backed by nearly €500 million in equity raised across multiple funding rounds. To date, we have disbursed over €2 billion in consumer loans and established strategic partnerships with major global brands such as Apple, Microsoft, and Orange Bank, among others.
At Younited, we pride ourselves on three core pillars: constant innovation, use of data, and exceptional user experience. We are also utilizing our credit strategy to foster a more transparent and equitable financial system: as a testament to our commitment, we are a certified B-Corp company.
We aim at proposing a whole new credit user experience. We are looking for someone with an analytical mind, someone eager to learn and willing to grow, gain experience while developing him/herself within a young and a start-up environment while participating in the Portuguese’s branch growth!
Reporting to the Legal & Compliance Iberia Director and based in Lisbon, you will work closely with the Iberia and Central Legal & Compliance teams located in Barcelona and Paris.
As Legal & Compliance Officer your responsibilities will be:
- Serve as the primary point of contact with the Bank of Portugal for all regulatory reporting and communications, ensuring timely and accurate submissions.
- Develop, implement, and oversee compliance policies and protocols to guarantee the company operates fully in line with all applicable laws and regulations. Ensure that credit agreements are transparent, client-friendly, and compliant with current regulatory requirements.
- Lead the company’s AML/CFT program, including the development of manuals, definition of procedures and policies, and oversee the delivery of employee training to ensure full compliance with Portuguese anti-money laundering regulations.
- Ensure compliance across the full spectrum of applicable regulations beyond AML and GDPR, including consumer protection laws, personal lending and insurance regulations, banking and financial regulations under the supervision of Banco de Portugal, and other relevant legal and regulatory requirements.
- Drafting, reviewing and negotiation of contracts with providers and partners.
- Ensure marketing campaigns are reviewed in line with regulatory and company standards.
- Conduct internal audits and controls to monitor adherence to established protocols, identify risks or gaps, and recommend improvements.
- Maintain accurate and up-to-date documentation of all compliance processes, procedures, and business activities.
- Prepare regular management reports on the company’s compliance status, regulatory obligations, and risk exposure.
- Collaborate with the Spain team in the development and review of policies and projects for topics that are common across both markets.
We are looking for:
- Law degree or equivalent legal education in Portugal.
- Minimum 2 years of proven experience in compliance within a regulated financial institution or company, or in providing advisory services to such clients through a law firm, consultancy, or corporate legal/compliance department. Strong familiarity with industry practices and professional standards, with a solid understanding of Portuguese regulations and experience liaising directly with regulators.
- Excellent attention to detail to identify, assess, and correct risky practices effectively.
- Strong communication skills, with the ability to express ideas clearly, both orally and in writing, in English and Portuguese. Knowledge of Spanish is considered an asset.
- Proactive and eager to learn, with strong teamwork and leadership skills, ready to take on a new challenge in a key strategic position.
Join us on a permanent contract in a fast-growing company with big ambitions! At Younited, every team member has the chance to make a real impact and shape the way we do business. We’re looking for people who are ambitious, optimistic, flexible, and self-driven – if that’s you, you’ll thrive here.
We offer a flexible hybrid setup, mixing remote work with office days in our Central Lisbon location. Here, you’ll keep learning, growing, and taking on challenges that push you to improve every day. If you want a role where your work truly matters and you can grow alongside the company, we can’t wait to meet you!
