Legal and Regulatory Analyst

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset. 

We are recruiting to fill the position below:

Job Title: Legal and Regulatory Analyst

Location: Lagos

About This Role

• You will support the legal and compliance department by conducting legal research, evaluating regulatory changes, and drafting legal and compliance policies.

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.
• 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.
• Tech savvy.