private & confidential
Role Description
Director of UK Public Affairs
For more information, please contact:
Ally Lock
D: +44 (0)20 7340 6487
M: +44 (0)7872 377343
ally@ellwoodatfield.com
Ellwood Atfield Ltd, 34 Smith Square, Westminster, London SW1P 3HL / T: +44 (0)20 7340 6480 / F: +44 (0)20 7222 8918
E: hello@ellwoodatfield.com / W: ellwoodatfield.com / @ellwoodatfield / ellwoodatfield
Registered Address: Kemp House, 152-160 City Road, London EC1V 2DW / Reg No. 4384921 / VAT No. 795 9950 46
Director of UK Public Affairs
Reports to: Senior Vice President, Corporate Affairs Cash America
Senior Vice President, UK Operations Enova
Salary:
Attractive salary
Office furniture allowance
Monthly meal and mileage allowance
Holidays - Negotiable
Location:
Based from home/need to be able to travel to London regularly
Company Overview
Enova is a wholly-owned subsidiary of Cash America. In addition to our business,
Cash America provides specialty financial services to individuals through retail
services locations.
Enova is a leading provider of online financial services to alternative credit
consumers in the United States, United Kingdom, Australia and Canada, with
over 80 million website page views and approximately $2.1 billion in credit
extended in 2011. Our customers include the large and growing number of
consumers who have bank accounts but use alternative financial credit services
because of their limited access to more traditional consumer credit from banks,
thrifts, credit card companies and other lenders. We believe our customers
highly value our services as an important component of their personal finances
because our services are convenient, quick and often less expensive than other
available alternatives. We attribute the success of our business to our advanced
and innovative technology systems, the proprietary analytical models we use to
predict loan performance, our sophisticated customer acquisition programs and
our dedication to customer service.
Enova provides or arranges multiple types of unsecured lending products for
consumers in four countries:
Short-term consumer loans. We offer single payment consumer loans,
commonly referred to as payday loans, in the United States, the United
Kingdom, Australia and Canada. Through our credit services organization, credit
access business and finance brokerage programs, or our CSO programs, we
arrange third-party lenders’ single payment consumer loan products in some
markets by acting on behalf of consumers in accordance with applicable laws.
Generally, terms are seven to 45 days, loan amounts range from $50 to $2,500,
depending on applicable law, and customers promptly receive funds deposited in
their bank account in exchange for a pre-authorized debit from their accounts.
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We also offer lines of credit of up to $1,800 in several U.S. states, depending on
applicable law, which allow customers to draw on the line of credit in
increments of their choosing, up to their credit limit. The fees we charge for
short-term single payment consumer loans in the United States vary by
jurisdiction but typically range between $10 to $25 per $100 borrowed, and the
fees we charge for short-term single payment consumer loans in the foreign
markets in which we operate, which are the United Kingdom, Australia and
Canada, also vary but typically range between 20 and 29.50 per 100 borrowed in
their respective currencies. Due to the credit risk and high transaction costs of
serving our customer segment, the fees we charge are generally considered to
be higher than the fees charged to consumers with top-tier credit histories by
commercial banks and similar lenders who are typically unwilling to make
unsecured loans to alternative credit consumers.
Installment consumer loans. We offer installment loans in the United Kingdom
and in several U.S. states. Generally, terms are between four and 36 months,
and loan amounts range from $75 to $3,100, depending on applicable law.
Enova operates in the United Kingdom under the names QuickQuid at
www.quickquid.co.uk and Pounds to Pocket at www.poundstopocket.co.uk
We began our QuickQuid short-term consumer loan business in July 2007 and our
Pounds to Pocket installment consumer loan business in September 2010.
Enova’s vision is to be the most trusted online alternative financial resource for
hard working people internationally through world-class technology, analytics,
operational excellence and customer support.
Enova Issues: Non bank lending; Payday Lending; Installment Lending; Lines of
Credit; Internet Operations; Data Privacy and Data Security.
The Role
To shape and influence legislation and public policy in the UK to support Enova’s
commercial success, while promoting and protecting the Enova brand.
Responsible for:
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Establishing a public affairs strategy to shape and influence UK public
policy as an enabler of Enova’s commercial success.
Being a trusted adviser providing strategic counsel on public affairs issues
to the UK business.
Identifying, anticipating and monitoring developments in public policy and
other events which will affect our business and developing targeted
programmes to influence their outcome.
Working with Enova’s leadership teams and technical specialists to
understand, evaluate and gain agreement on the priority business issues,
the public policy context and to lead Enova’s recommended response.
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Personally developing and maintaining first class working relationships for
Enova with key political stakeholders and influencers.
Creating thought leadership campaigns to support our public affairs and
wider brand and communication objectives.
Creating and supporting contact programmes and public platforms for the
UK executive team to ensure Enova is well-connected, respected and
listened to on the issues that matter most to us.
Representing Enova on key industry fora.
Developing and maintaining an effective governance framework for public
affairs activity in the UK.
Select and manage external agencies to support the in-house team in the
development and delivery of Enova’s public affairs programmes.
Playing a key role in working with other communications professionals in
the development and delivery of integrated communications for the UK
business.
Providing a timely and relevant information flow on public affairs to the
UK business.
Evaluating Enova’s public affairs performance, including appropriate
benchmarking and effective sharing of best practice.
Ensuring that Enova’s public affairs activity is compliant with legal and
regulatory requirements.
Managing a small team of public affairs professionals.
Context
 New role
 External Affairs policy
 Legal and regulatory requirements
Relationships
External:
 Politicians and civil servants
 Communication consultancies and other suppliers
 Corporate advisers
 Competitors
 Industry bodies
Internal:
 Internal staff at all levels to CEO
 Communications teams and company spokespeople across Enova
 Specialist staff eg Legal, Finance, Regulatory
 UK and International public affairs network
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Outputs and Accountabilities
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Public affairs strategy aligned to Enova’s business strategy and priorities.
Strategic and tactical advice to Enova UK leadership team and key specialists
on public affairs issues.
Strong relationships between Enova public affairs team, Enova UK executive
and key political audiences.
Effective radar of public policy issues affecting Enova UK.
First class campaigns, platforms and defence strategies delivered to support
Enova UK’s business priorities.
Enova has an effective voice that is listened to in key industry fora.
Strong working relationships with other communications professionals in the
Enova Group.
Insightful and timely information flow on public affairs issues to key
stakeholders.
Effective evaluation and benchmarking of Enova’s UK public affairs activity.
Motivated and high performing Public Affairs team which is well-respected
inside the group and outside.
Competence Requirements
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First class public affairs executive with significant operational experience,
ideally in a regulated services sector.
Highly networked and respected in the public affairs arena.
Highly developed communication skills, written and spoken; ability to present
with high impact at senior levels both internally and externally.
Strategic thinker, able to see the big picture. Can capture and distil complex
issues and present them precisely and eloquently.
Understanding of other communication disciplines to ensure integrated
planning and delivery.
Strong influencing and negotiation skills with proven ability to effectively.
build relationships both internally and externally across a range of cultures.
Clear, cool head at all times.
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