Legal & Compliance Officer

Key Responsibilities:

1. Legal Documentation & Transaction Management:

• Draft, vet, and manage legal documentation including Loan Agreements, Term Sheets,

Sanction Letters, Security Documents (Mortgages, Guarantees, Hypothecation, Pledge,

Declarations, etc.)

• Ensure accuracy, completeness, and enforceability of all legal documents.
• Standardize documentation templates in line with regulatory and business

requirements.

2. Client Due Diligence & Credit Support:

• Draft and continuously formulate processes for KYC and related Borrower due

diligences in line with the Regulatory/internal requirements.

• Support credit team by providing legal insights on borrower risk, collateral

enforceability, and structuring transactions.

• Guide Credit Analysts on legal implications related to lending proposals.

3. Property & Asset Due Diligence:

• Perform title verification and legal due diligence for property-backed transactions.
• Validate ownership, encumbrances, and legal clearances.
• Oversee mortgage creation and ensure proper documentation of security interests.

4. Regulatory Compliance & Reporting :

• Ensure compliance with applicable laws, including:
• RBI Act, Rules, Regulations, and Circulars
• Companies Act, 2013
• NBFC-specific regulatory frameworks
• Monitor regulatory updates and ensure timely implementation across the

organization.

• Draft and respond to communications from RBI and other statutory/regulatory

authorities.

• Maintain compliance trackers and ensure adherence to timelines.

5. Statutory Registrations & Filings:

• Handle registration and compliance requirements including:
• Charge registration with ROC
• Security interest registration with CERSAI
• LEI (Legal Entity Identifier) registration and renewals
• CKYC compliance
• Ensure timely filings and renewals to avoid regulatory penalties.

6. Litigation & Recovery Management:

• Manage litigation portfolio including:
• Coordination with external legal counsel
• Tracking case progress and maintaining legal MIS
• Draft and issue legal notices (demand notices, recall notices, etc.)
• Support recovery proceedings and enforcement actions under applicable laws.

7. Stakeholder Management:

• Liaise with:
• Internal teams (Credit, Operations, Risk, Secretarial)
• External stakeholders (law firms, regulatory authorities, clients)
• Provide timely legal advice and support for business decisions.

Qualifications & Experience:

• LLB / LLM from a recognized university
• Certification in Banking & Finance Laws / Financial Regulations / Compliance Management will be preferred.
• 5 - 8 years of experience in Legal & Compliance within NBFC / Banking / Financial Services
• Experience in lending transactions, documentation, and regulatory compliance is essential