LEGAL GRADUATE – CREDIT & COMPLIANCE

Company: VCB Location: Johannesburg Employment Type: Full-Time Experience: 0–2 Years

About the Role

VCB is looking for a motivated and commercially minded Legal Graduate to join the team and gain practical experience within a credit-focused business environment.

The successful candidate will provide junior-level legal and compliance support, with particular exposure to credit-related matters, consumer legislation, POPIA, legal research, contracts and regulatory compliance.

This is an excellent opportunity for a recent LLB graduate or junior legal professional looking to build a career within the credit and financial services environment.

Minimum Requirements

• LLB degree or equivalent legal qualification.

• 0–2 years' relevant working experience.

• Admission as an Attorney is not required.

• Strong understanding of credit and credit-related legislation.

• Good understanding of the Protection of Personal Information Act (POPIA).

• Strong legal research and interpretation skills.

• Good written and verbal communication skills.

• Strong attention to detail and ability to work accurately.

• Good organisational and administrative skills.

• Ability to work independently while also collaborating with a broader team.

• Proficient in Microsoft Office.

Advantageous Experience

Preference will be given to candidates who have exposure to:

• Credit providers or credit-related businesses.

• Financial services or consumer finance.

• Debt collection or credit management.

• Consumer Protection Act (CPA).

• National Credit Act (NCA).

• POPIA and data privacy compliance.

• Contract review and drafting.

• Regulatory compliance.

• Legal risk management.

Key Responsibilities

Credit & Legal Support

• Provide legal support on credit-related matters.

• Assist with reviewing and interpreting credit agreements and related documentation.

• Conduct legal research relating to credit legislation and regulatory requirements.

• Assist with identifying and assessing legal and regulatory risks.

• Support the team with legal queries relating to credit and consumer matters.

Compliance & POPIA

• Assist with maintaining compliance with applicable legislation and regulations.

• Support POPIA-related compliance activities and data protection requirements.

• Assist in identifying potential privacy and information-handling risks.

• Maintain accurate legal and compliance records and documentation.

Contracts & Documentation

• Assist with reviewing, drafting and maintaining agreements and legal documents.

• Identify potential legal risks or areas requiring further review.

• Ensure documentation is appropriately maintained and updated.

General Legal Support

• Conduct legal research and prepare summaries of relevant legislation and case law.

• Assist with preparing reports, correspondence and legal documentation.

• Support senior legal and compliance stakeholders with ad hoc legal matters.

• Keep up to date with developments in credit, consumer protection, privacy and related legislation.

Key Competencies

The successful candidate will demonstrate:

• Legal research and analytical ability

• Commercial awareness

• Understanding of credit legislation

• POPIA/data privacy awareness

• Strong attention to detail

• Sound judgement

• Professional communication

• Ability to interpret legislation and translate it into practical business requirements

• High levels of integrity and confidentiality

• Willingness to learn and develop

• Ability to work in a fast-paced environment

Ideal Candidate

The ideal candidate is a recent LLB graduate or junior legal professional with 0–2 years' experience who has a genuine interest in credit, financial services, consumer legislation and compliance.

Candidates who have gained their initial experience within a credit provider, financial services organisation, debt collection environment or similar regulated business would be particularly well suited to the role.

Important: This position is not intended for an admitted attorney. VCB is looking for a graduate/junior legal professional who can provide strong legal support while developing their practical commercial and credit-law experience.