Legal & Compliance Officer

Role<\/b><\/span><\/u> <\/b><\/span><\/u><\/span>Overview\-<\/b><\/span><\/u><\/span><\/span>
<\/span>To ensure end\-to\-end legal\nand regulatory compliance for all lending and operational activities of the\nNBFC, including client due diligence, transaction structuring, documentation,\nregulatory adherence, and litigation management in line with RBI guidelines and\napplicable laws.<\/span><\/span>
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<\/span>Key<\/b><\/span><\/u> <\/b><\/span><\/u><\/span>Responsibilities:<\/b><\/span><\/u><\/span><\/span><\/span><\/div>

<\/span>1.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Legal<\/b><\/span> <\/b><\/span><\/span>Documentation<\/b><\/span> <\/b><\/span><\/span>&<\/b><\/span> <\/b><\/span><\/span>Transaction<\/b><\/span> <\/b><\/span><\/span>Management<\/b><\/span><\/span><\/span>
<\/span> <\/span><\/span>·<\/span> <\/span><\/span><\/span><\/span>Draft,\nvet, and manage legal documentation including Loan Agreements, Term<\/span> <\/span><\/span>Sheets, Sanction Letters, Security\nDocuments (Mortgages, Guarantees,<\/span> <\/span><\/span>Hypothecation,<\/span> <\/span><\/span>Pledge,<\/span> <\/span><\/span>Declarations,<\/span> <\/span><\/span>etc.)<\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Ensure<\/span> <\/span><\/span>accuracy,<\/span> <\/span><\/span>completeness,<\/span> <\/span><\/span>and<\/span> <\/span><\/span>enforceability<\/span> <\/span><\/span>of<\/span> <\/span><\/span>all<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>documents.<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Standardize\ndocumentation templates in line with regulatory and business <\/span>requirements.<\/span><\/span><\/span><\/span><\/div>

<\/span>2.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Client<\/b><\/span> <\/b><\/span><\/span>Due<\/b><\/span> <\/b><\/span><\/span>Diligence<\/b><\/span> <\/b><\/span><\/span>&<\/b><\/span> <\/b><\/span><\/span>Credit<\/b><\/span> <\/b><\/span><\/span>Support<\/b><\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Draft<\/span> <\/span><\/span>and<\/span> <\/span><\/span>continuously<\/span> <\/span><\/span>formulate<\/span> <\/span><\/span>processes<\/span> <\/span><\/span>for<\/span> <\/span><\/span>KYC<\/span> <\/span><\/span>and<\/span> <\/span><\/span>related<\/span> <\/span><\/span>Borrower<\/span> <\/span><\/span>due<\/span> <\/span><\/span>diligences in line with the\nRegulatory/internal requirements.<\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Support<\/span> <\/span><\/span>credit<\/span> <\/span><\/span>team<\/span> <\/span><\/span>by<\/span> <\/span><\/span>providing<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>insights<\/span> <\/span><\/span>on<\/span> <\/span><\/span>borrower<\/span> <\/span><\/span>risk,<\/span> <\/span><\/span>collateral<\/span> <\/span><\/span>enforceability, and structuring\ntransactions.<\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Guide<\/span> <\/span><\/span>Credit<\/span> <\/span><\/span>Analysts<\/span> <\/span><\/span>on<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>implications<\/span> <\/span><\/span>related<\/span> <\/span><\/span>to<\/span> <\/span><\/span>lending<\/span> <\/span><\/span>proposals.<\/span><\/span><\/span><\/span><\/div>

<\/span>3.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Property<\/b><\/span> <\/b><\/span><\/span>&<\/b><\/span> <\/b><\/span><\/span>Asset<\/b><\/span> <\/b><\/span><\/span>Due<\/b><\/span> <\/b><\/span><\/span>Diligence<\/b><\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Perform<\/span> <\/span><\/span>title<\/span> <\/span><\/span>verification<\/span> <\/span><\/span>and<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>due<\/span> <\/span><\/span>diligence<\/span> <\/span><\/span>for<\/span> <\/span><\/span>property\-backed<\/span> <\/span><\/span>transactions.<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Validate<\/span><\/span> <\/span><\/span>ownership,<\/span><\/span> <\/span><\/span>encumbrances,<\/span><\/span> <\/span><\/span>and<\/span><\/span> <\/span><\/span>legal<\/span><\/span> <\/span><\/span>clearances.<\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Oversee<\/span> <\/span><\/span>mortgage<\/span> <\/span><\/span>creation<\/span> <\/span><\/span>and<\/span> <\/span><\/span>ensure<\/span> <\/span><\/span>proper<\/span> <\/span><\/span>documentation<\/span> <\/span><\/span>of<\/span> <\/span><\/span>security<\/span> <\/span><\/span>interests.<\/span><\/span><\/span>
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4. Regulatory<\/b><\/span> <\/b><\/span><\/span>Compliance<\/b><\/span> <\/b><\/span><\/span>& <\/b><\/span>Reporting<\/b><\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Ensure<\/span> <\/span><\/span>compliance<\/span> <\/span><\/span>with<\/span> <\/span><\/span>applicable<\/span> <\/span><\/span>laws,<\/span> <\/span><\/span>including:<\/span><\/span><\/span>
<\/span>\-RBI<\/span> <\/span><\/span>Act,<\/span> <\/span><\/span>Rules,<\/span> <\/span><\/span>Regulations,<\/span> <\/span><\/span>and<\/span> <\/span><\/span>Circulars<\/span><\/span><\/span>
<\/span>\-Companies Act, <\/span>2013<\/span><\/span><\/span>
<\/span>\-NBFC\-specific<\/span> <\/span><\/span>regulatory<\/span> <\/span><\/span>frameworks<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Monitor<\/span> <\/span><\/span>regulatory<\/span> <\/span><\/span>updates<\/span><\/span> <\/span><\/span>and<\/span> <\/span><\/span>ensure<\/span> <\/span><\/span>timely<\/span> <\/span><\/span>implementation<\/span> <\/span><\/span>across<\/span><\/span> <\/span><\/span>the <\/span>organization.<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Draft<\/span> <\/span><\/span>and<\/span> <\/span><\/span>respond<\/span> <\/span><\/span>to<\/span> <\/span><\/span>communications<\/span> <\/span><\/span>from<\/span> <\/span><\/span>RBI<\/span> <\/span><\/span>and<\/span> <\/span><\/span>other<\/span> <\/span><\/span>statutory/regulatory <\/span>authorities.<\/span><\/span><\/span>
<\/span><\/span>·<\/span> <\/span><\/span><\/span><\/span>Maintain<\/span> <\/span><\/span>compliance<\/span> <\/span><\/span>trackers<\/span> <\/span><\/span>and<\/span> <\/span><\/span>ensure<\/span> <\/span><\/span>adherence<\/span> <\/span><\/span>to<\/span> <\/span><\/span>timelines.<\/span><\/span><\/span>

<\/span>5.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Statutory Registrations<\/b><\/span> <\/b><\/span><\/span>&<\/b><\/span> Filings<\/b><\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Handle<\/span><\/span> <\/span><\/span>registration<\/span><\/span> <\/span><\/span>and<\/span><\/span> <\/span><\/span>compliance<\/span><\/span> <\/span><\/span>requirements<\/span><\/span> <\/span><\/span>including:<\/span><\/span>
<\/span><\/span>\-Charge<\/span> <\/span><\/span>registration<\/span> <\/span><\/span>with<\/span> <\/span><\/span>ROC<\/span><\/span><\/span>
<\/span>\-Security<\/span> <\/span><\/span>interest<\/span> <\/span><\/span>registration<\/span> <\/span><\/span>with<\/span> <\/span><\/span>CERSAI<\/span><\/span><\/span>
<\/span>\-LEI<\/span> <\/span><\/span>(Legal<\/span> <\/span><\/span>Entity<\/span> <\/span><\/span>Identifier)<\/span> <\/span><\/span>registration<\/span> <\/span><\/span>and<\/span> <\/span><\/span>renewals<\/span><\/span><\/span>
<\/span>\-CKYC<\/span> <\/span><\/span>compliance<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Ensure<\/span> <\/span><\/span>timely<\/span> <\/span><\/span>filings<\/span> <\/span><\/span>and<\/span> <\/span><\/span>renewals<\/span> <\/span><\/span>to<\/span> <\/span><\/span>avoid<\/span> <\/span><\/span>regulatory<\/span> <\/span><\/span>penalties.<\/span><\/span><\/span>

<\/span>6.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Litigation<\/b><\/span> <\/b><\/span><\/span>&<\/b><\/span> <\/b><\/span><\/span>Recovery<\/b><\/span> <\/b><\/span><\/span>Management<\/b><\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Manage<\/span> <\/span><\/span>litigation<\/span> <\/span><\/span>portfolio<\/span> <\/span><\/span>including:<\/span><\/span><\/span>
<\/span>\-Coordination<\/span> <\/span><\/span>with<\/span> <\/span><\/span>external<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>counsel<\/span><\/span><\/span>
<\/span>\-Tracking<\/span> <\/span><\/span>case<\/span> <\/span><\/span>progress<\/span> <\/span><\/span>and<\/span> <\/span><\/span>maintaining<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>MIS<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Draft<\/span> <\/span><\/span>and<\/span> <\/span><\/span>issue<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>notices<\/span> <\/span><\/span>(demand<\/span> <\/span><\/span>notices,<\/span> <\/span><\/span>recall<\/span> <\/span><\/span>notices,<\/span> <\/span><\/span>etc.)<\/span><\/span><\/span>
<\/span><\/span>·<\/span> <\/span><\/span><\/span><\/span>Support<\/span> <\/span><\/span>recovery<\/span> <\/span><\/span>proceedings<\/span> <\/span><\/span>and<\/span> <\/span><\/span>enforcement<\/span> <\/span><\/span>actions<\/span> <\/span><\/span>under<\/span> <\/span><\/span>applicable<\/span> <\/span><\/span>laws.<\/span><\/span><\/span>

<\/span>7.<\/b><\/span> <\/b><\/span><\/span><\/span><\/span>Stakeholder<\/b><\/span><\/span> <\/b><\/span><\/span>Management<\/b><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Liaise<\/span> <\/span><\/span>with:<\/span><\/span><\/span>
<\/span>\-Internal<\/span> <\/span><\/span>teams<\/span> <\/span><\/span>(Credit,<\/span> <\/span><\/span>Operations,<\/span> <\/span><\/span>Risk,<\/span> <\/span><\/span>Secretarial)<\/span><\/span><\/span>
<\/span>\-External<\/span> <\/span><\/span>stakeholders<\/span> <\/span><\/span>(law<\/span> <\/span><\/span>firms,<\/span> <\/span><\/span>regulatory<\/span> <\/span><\/span>authorities,<\/span> <\/span><\/span>clients)<\/span><\/span><\/span>
<\/span>·<\/span> <\/span><\/span><\/span><\/span>Provide<\/span> <\/span><\/span>timely<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>advice<\/span> <\/span><\/span>and<\/span> <\/span><\/span>support<\/span> <\/span><\/span>for<\/span> <\/span><\/span>business<\/span> <\/span><\/span>decisions.<\/span><\/span><\/span>
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Requirements<\/h3>
Qualifications &<\/b><\/span> <\/b><\/span><\/span>Experience<\/b><\/span><\/span><\/span>
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LLB<\/span> <\/span><\/span>/<\/span><\/span> <\/span><\/span>LLM<\/span> <\/span><\/span>from<\/span> <\/span><\/span>a<\/span> <\/span><\/span>recognized<\/span> <\/span><\/span>university<\/span><\/span><\/span>
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Certification<\/span> <\/span><\/span>in<\/span> <\/span><\/span>Banking<\/span> <\/span><\/span>&<\/span> <\/span><\/span>Finance<\/span> <\/span><\/span>Laws<\/span> <\/span><\/span>/<\/span><\/span> <\/span><\/span>Financial<\/span> <\/span><\/span>Regulations<\/span> <\/span><\/span>/<\/span><\/span> <\/span><\/span>Compliance Management will be preferred<\/span><\/span><\/span><\/span>
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5<\/span> <\/span><\/span>\-<\/span> <\/span><\/span>8<\/span> <\/span><\/span>years\nof<\/span> <\/span><\/span>experience<\/span> <\/span><\/span>in<\/span> <\/span><\/span>Legal<\/span> <\/span><\/span>&<\/span> <\/span><\/span>Compliance<\/span> <\/span><\/span>within<\/span> <\/span><\/span>NBFC<\/span> <\/span><\/span>/ Banking<\/span> <\/span><\/span>/ Financial <\/span>Services<\/span><\/span><\/span><\/span><\/span>
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Experience\nin lending transactions, documentation, and regulatory compliance is <\/span>essential<\/span><\/span><\/span><\/span>
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Key Performance\nIndicators (KPIs)<\/span><\/span><\/b>
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Zero regulatory penalties or\ncompliance lapses<\/span><\/span><\/span><\/span><\/span>
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Turnaround time for legal\ndocumentation within stipulated days<\/span><\/span><\/span><\/span><\/span>
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Timely closure of litigation/recovery\ncases<\/span><\/span><\/span><\/span><\/span>
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Accuracy rate in due diligence\nand documentation<\/span><\/span><\/span><\/span><\/span>
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Propose legal documentation\n structures within defined thresholds<\/span><\/span><\/span>
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Recommend risk mitigation\n strategies for lending transactions<\/span><\/span><\/span>
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\u200b<\/span>Escalate high\-risk cases to\n senior management<\/span><\/span><\/span>
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Key<\/b><\/span> <\/b><\/span><\/span>Competencies:<\/b><\/span><\/span><\/span>
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Strong<\/span> <\/span><\/span>knowledge<\/span> <\/span><\/span>of<\/span> <\/span><\/span>NBFC<\/span> <\/span><\/span>regulations<\/span> <\/span><\/span>and<\/span> <\/span><\/span>RBI<\/span> <\/span><\/span>guidelines<\/span><\/span><\/span><\/span>
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\u200b<\/span><\/span>Expertise<\/span> <\/span><\/span>in<\/span> <\/span><\/span>legal<\/span> <\/span><\/span>drafting<\/span> <\/span><\/span>and<\/span> <\/span><\/span>contract<\/span> <\/span><\/span>management<\/span><\/span><\/span>
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