Legal & Regulatory Operations Analyst

About Us

We are a digital Tier 1 Unit microfinance bank. Our mission is to provide accessible and affordable financial services to individuals and businesses across Nigeria. We leverage technology to meet the evolving needs of individual customers and SMEs, driving financial inclusion and economic growth. We offer a wide range of banking services, including savings, loans, and payment solutions, all designed to simplify banking for modern Nigerian customers.

At Carbon, we are:

Passionate: We love what we do and have an ownership mentality.

Resourceful: We make do with what we have. Not wasteful

Intelligent: We are forever learning to better ourselves, constantly experiencing & testing to understand the problem space better

Maverick: We try the unconventional, questions widely held assumptions.

Executors: We get shit done. No excuses

Data-Driven: Rigorous in using data for decisions, experiments to test assumptions and hypothesis 

Role:

We are seeking a highly skilled, experienced and intellectual Legal & Regulatory Operations Analyst to join the dynamic team at Carbon Micro Finance Bank. This role offers a unique opportunity to play a crucial role in ensuring we comply with legal and regulatory requirements, while also optimizing the efficiency of the legal department's operations.

Location: Lagos.

Key Responsibilities
Legal Operations

• Maintain and optimise contract lifecycle management systems (e.g. contract repository, templates, tracking tools).


• Manage the end-to-end contracting process: drafting, reviewing, negotiating, and coordinating execution in collaboration with stakeholders.


• Develop and maintain internal policies, standard operating procedures, and legal guidance documents.


• Support litigation and dispute resolution processes by coordinating with external counsel and internal teams.


• Monitor and manage legal budget and spend, including vendor coordination and invoicing.
  

Regulatory Compliance & Reporting

• Track regulatory developments (CBN, NDIC, NITDA, NFIU, FCCPC, etc.) and advise relevant teams on implications.


• Coordinate timely and accurate regulatory filings, periodic returns, audit responses, and inspections.


• Maintain a compliance calendar and manage regulatory engagement logs.


• Support internal audits and compliance reviews, working closely with the Risk, Finance, and Internal Control functions.


• Prepare reports and presentations for internal committees (e.g. Exco, Board) and external regulators.


• Support with external audits including CBN, NDPR etc. 


• Engaging regulators including CBN, FCCPC, NDPR etc.


• Engaging law enforcement agencies.
  

Cross-Functional Support

• Work with Product, Credit, and Customer Experience teams to provide operational legal guidance, particularly around new product features, terms of service, and onboarding processes.


• Support enterprise risk management and governance frameworks.


• Support with facilitating training sessions and initiatives to build a strong culture of compliance and legal awareness across teams.

Requirements
Education & Experience

• Bachelor’s Degree in Law (LL.B) with BL certification.


• 2–4 years of post-call experience in legal, compliance, or regulatory roles within a financial institution, fintech, or legal practice.


• Experience working with regulators or managing regulatory engagements is strongly preferred.
  

Skills & Competencies

• Excellent legal writing, communication, and stakeholder management skills.


• Strong analytical and problem-solving abilities with a bias for structure and execution.


• High integrity, discretion, and reliability when handling sensitive information.


• Familiarity with regulatory portals (CBN Paperlite, NFIU GoAML, NDPR frameworks, etc.).


• Competence in tools like Google Workspace, Excel, legal tech software, and project management platforms.
  

Recruitment process:

• Interview with the People team


• Case Study 


• Interview with the CEO

What We Offer:

• The opportunity to make a significant impact on a growing fintech company.


• A fast-paced, collaborative, and innovative work environment.


• Competitive compensation and benefits.


• Opportunities for professional growth and development in the fintech space