Head of Legal, Responsible Lending

Job Description

Bondora is seeking a Head of Legal, Responsible Lending to provide legal oversight for its consumer lending operations across multiple markets. The role involves ensuring compliance with Estonian and EU regulatory frameworks, supporting responsible growth, and shaping consumer credit compliance strategies.Bondora is a rapidly growing financial technology company founded in 2008, serving over 1 million customers. The company is expanding its loan product footprint and is set to acquire a banking license.Responsibilities:

• Developing and implementing legal strategies for compliance with consumer lending regulations.
• Monitoring legal developments and providing guidance to the credit team.
• Designing, reviewing, and updating credit issuance policies and procedures.
• Ensuring adherence to responsible lending principles and consumer protection laws.
• Identifying and mitigating legal risks related to lending products and debt collection practices.
• Advising senior management on legal risk exposure.
• Providing legal support to internal stakeholders.

Requirements:

• Deep knowledge of EU financial services and consumer credit law.
• Strong understanding of responsible lending frameworks.
• Experience in regulatory engagement with supervisory authorities.
• Expertise in contract law, debt recovery regulation, and credit scoring compliance.
• Experience in legal policy drafting at a group or pan-European level.
• Proven ability to collaborate with cross-functional stakeholders.

What Bondora Offers:

• Competitive salary and benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• Opportunities for personal and professional growth.