Legal and Compliance Officer

Lupiya Financial Services Limited

Unit 1, Counting House, Thabo Mbeki Road, Lusaka, Zambia

WE ARE HIRING

LEGAL AND COMPLIANCE OFFICER

Legal & Compliance · Lusaka · Full-time

About Lupiya

Lupiya Financial Services Limited is a financial institution headquartered in Lusaka, delivering accessible lending and financial services across Zambia. We are seeking a Legal and Compliance Officer to join our Legal & Compliance department.

Role Purpose

Reporting to the Legal and Compliance Manager, the Legal and Compliance Officer supports the legal and regulatory function of Lupiya Financial Services Limited and its subsidiaries. The role maintains the compliance programme, monitors regulatory change, drafts and negotiates contracts, keeps legal records and governance documentation in order, and supports litigation, dispute resolution and debt recovery. It exists to ensure that Lupiya operates within the law and its regulatory obligations at all times, that legal risk is identified and mitigated before it crystallises, and that business units receive timely, practical legal guidance.

Key Responsibilities

Compliance Framework and Regulatory Monitoring

• Maintain and apply the compliance programme across Lupiya Financial Services Limited and its subsidiaries, in line with regulatory requirements and industry best practice.
• Monitor changes in financial services regulation and assess their impact on lending and other operations.
• Carry out regular compliance reviews of lending operations and report findings to the Legal and Compliance Manager.
• Maintain the compliance register and supporting evidence so that the Company is audit-ready at all times.

Data Privacy and Information Security

• Work with the Technology team to ensure compliance with data protection legislation and internal security protocols.
• Review new systems, products and vendor arrangements for data privacy implications before implementation.
• Maintain records of processing activities and support responses to data subject requests and incidents.

Legal Advisory and Business Support

• Provide timely legal guidance to business units in support of strategic initiatives and day-to-day operations, working to agreed turnaround times.
• Advise on the legal implications of new products, campaigns and partnerships at the planning stage rather than after commitment.
• Escalate complex or high-exposure matters to the Legal and Compliance Manager with a clear summary of the issue and the options available.

Contracts and Vendor Management

• Draft, review and negotiate contracts with third-party vendors, partners and service providers to protect the Company’s legal interests.
• Maintain the contract register, tracking renewal and expiry dates and flagging them in advance.
• Ensure all executed contracts are properly filed and accessible.

Legal Risk Management

• Carry out assessments to identify potential legal risks across the business and propose mitigation measures.
• Support the implementation of risk management strategies that reduce the Company’s legal exposure.
• Track identified risks through to closure and report on status periodically.

Legal Records and Corporate Governance

• Maintain an organised repository of all legal documentation, ensuring accuracy, completeness and accessibility.
• Support adherence to corporate governance principles and maintain governance records, including board and committee documentation as directed.
• Safeguard the confidentiality of all legal and governance records.

Litigation and Dispute Resolution

• Support the management of litigation matters and maintain the litigation register.
• Liaise with external counsel, coordinating instructions, documents and case updates.
• Assess and negotiate settlement agreements in the Company’s best interests, within delegated authority.

Debt Recovery

• Apply and improve debt recovery procedures to ensure timely collections and reduce non-performing assets, working to the monthly collection and portfolio recovery targets set for the role.
• Issue demand letters and other recovery correspondence, and manage matters handed to external recovery agents.
• Track and report on recovery rates, identifying areas for process improvement.

Training, Culture and Personal Development

• Deliver legal and compliance training to staff to build and sustain a compliance culture.
• Participate in structured legal training and maintain continuing professional development.
• Perform any other duties reasonably assigned by the Legal and Compliance Manager or Management in support of Company objectives.

Key Stakeholder Relationships

• Internal: Legal and Compliance Manager (line manager); Chief Executive Officer; Credit and Collections; Finance; Technology; People & Culture; Commercial and Customer Experience; and all business units.
• External: External counsel; regulators and statutory bodies; vendors and contract counterparties; recovery agents; and the Law Association of Zambia.

Competencies and Skills

• Legal drafting, contract review and negotiation.
• Regulatory interpretation and compliance monitoring.
• Legal risk assessment and mitigation planning.
• Records management and documentation discipline, with audit readiness in mind.
• Commercial awareness — practical advice that supports the business while protecting it.
• Integrity, sound judgement and absolute discretion with confidential information.
• Clear written and verbal communication, able to explain legal positions to non-legal colleagues.
• Firmness in negotiation paired with professionalism in dealings with customers, vendors and counterparties.

Qualifications and Experience

• Bachelor of Laws (LLB) from a recognised university.
• Admission to the Bar of Zambia, or completion of the Zambia Institute of Advanced Legal Education (ZIALE) programme.
• Valid practising certificate and membership of the Law Association of Zambia (LAZ).
• At least three (3) years’ post-qualification experience in legal practice, compliance or a corporate legal function.
• Working knowledge of the regulatory framework applicable to lending and financial services in Zambia, including data protection, anti-money laundering and consumer protection requirements.
• Strong contract drafting, review and negotiation skills.
• Experience in a financial services or other regulated environment, and exposure to debt recovery, litigation management or corporate governance, will be an added advantage.

How to Apply

Send your CV and a brief cover letter, quoting “Legal and Compliance Officer” in the subject line, to careers@lupiya.com by 10th October 2026.

Only shortlisted candidates will be contacted. Lupiya Financial Services Limited is an equal opportunity employer; all qualified applicants will be considered on merit.

How to Apply

Apply by emailing: careers@lupiya.com