NCA Specialist

Purpose of the Role

The NCA Expert is a specialist in-house position created in response to growing National Credit Act complexity, evolving regulatory requirements, and the continued expansion of the Confluent Group's credit operations. The role exists to build deep legal and regulatory interpretation capability within the business, ensuring that all credit-related operations, products, and decisions are grounded in sound, practical NCA expertise.

The successful candidate will deliver clear, commercially aware legal guidance, strengthen internal compliance capability, and partner with leadership to embed regulatory confidence into day-to-day decision-making making a meaningful and visible impact across the Group.

This role sits within Group Legal and Compliance and works in close collaboration with Business Assurance and the Executive team. The successful incumbent will serve as the Group’s definitive subject matter expert on the NCA, the National Credit Regulator, and the broader consumer credit regulatory landscape.

Key Responsibilities

• Legal Interpretation & In-House Advisory

• Provide authoritative interpretation of the NCA, related regulations, case law, NCR guidance, and regulatory developments — translating these into clear, practical business guidance.
• Serve as the primary in-house NCA subject matter expert, advising Exco, Legal, Risk, Product, Operations, and business units on complex or ambiguous matters.
• Draft, review, and maintain NCA legal opinions, position papers, and internal guidance notes.
• Review and sign off on high-risk decisions, policies, and practices from an NCA compliance perspective.
• Compliance Framework & Risk Management

• Lead the Group’s NCA compliance framework, ensuring alignment with regulatory requirements and best practice.
• Develop and maintain NCA-aligned policies, procedures, and controls across the Group.
• Conduct compliance risk assessments covering credit-granting, agreements, disclosures, and debt-related activities.
• Proactively identify regulatory and conduct risks and embed early warning indicators and practical controls to prevent breaches.
• Own NCA-related risk inputs into Board and Exco reporting.
• Regulatory Engagement & NCR Relations

• Serve as the primary interface with the National Credit Regulator, managing all interactions including submissions, enquiries, audits, and investigations.
• Ensure all regulatory responses are legally sound, consistent, and strategically positioned.
• Maintain credibility and productive relationships with regulators and industry stakeholders.
• Compliance Monitoring & Assurance

• Design and oversee compliance monitoring programmes and QA activities across all relevant business lines.
• Identify systemic issues, assess root causes, and drive remediation with clear accountability.
• Partner with Internal Audit and Legal to ensure coordinated, effective assurance coverage.
• Training & Capability Building

• Develop and deliver structured NCA training for business leaders and operational teams.
• Build practical guidance, playbooks, and decision frameworks to embed NCA understanding at the point of decision-making.
• Support new product development and strategic initiatives from a regulatory and legal lens.
• Governance & Reporting

• Deliver clear, insight-driven compliance reporting to Exco and the Board, highlighting key risks, emerging trends, and regulatory exposures.
• Maintain robust audit trails, documentation repositories, and governance artefacts aligned to Group standards.
• Broader Regulatory Landscape

• Apply working knowledge of adjacent legislation — including the Insurance Acts (Short-term and Long-term), POPIA, FICA, and the FSCA regulatory framework — to provide holistic compliance guidance across the Group.
• Identify intersections between NCA obligations and broader regulatory requirements, ensuring an integrated compliance approach.

  Qualifications

  Essential - LLB or equivalent legal degree; or a relevant degree in Business / Commerce with extensive applied NCA expertise

  Advantageous - Postgraduate qualification in Compliance, Risk Management, or Financial Law

  Advantageous - Registered Debt Counsellor

  Experience

  Essential - Minimum 4 years’ proven experience in a dedicated NCA compliance, legal, or regulatory role within a financial services or credit-granting environment

  Essential - Demonstrated track record of providing NCA legal interpretation and in-house advisory services

  Essential - Experience engaging directly with the National Credit Regulator

  Advantageous - Working knowledge of Insurance Acts (Short-term and Long-term), POPIA, FICA, and the FSCA regulatory framework