Legal & Compliance Officer (Multi-Industry Conglomerate)

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:

o RBI Act Rules Regulations and Circulars

o Companies Act 2013

o 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:

o Charge registration with ROC

o Security interest registration with CERSAI

o LEI (Legal Entity Identifier) registration and renewals

o CKYC compliance

Ensure timely filings and renewals to avoid regulatory penalties.

6. Litigation & Recovery Management:

Manage litigation portfolio including:

o Coordination with external legal counsel

o 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:

o Internal teams (Credit Operations Risk Secretarial)

o 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

Key Performance Indicators (KPIs)

Zero regulatory penalties or compliance lapses

Turnaround time for legal documentation within stipulated days

Timely closure of litigation/recovery cases

Accuracy rate in due diligence and documentation

Propose legal documentation structures within defined thresholds

Recommend risk mitigation strategies for lending transactions

Escalate high-risk cases to senior management

Key Competencies:

Strong knowledge of NBFC regulations and RBI guidelines

Expertise in legal drafting and contract management

Understanding of secured lending collateral structures and recovery laws

Analytical thinking and risk assessment ability

Strong stakeholder management and communication skills

Attention to detail and compliance orientation

Preferred Industry Exposure

Non-Banking Financial Companies (NBFCs)

Banking and Financial Services

Real Estate and Mortgage Financing

Corporate Legal & Compliance Function

Required Skills:

Legal DocumentationTransaction ManagementClient Due DiligenceCredit SupportRegulatory ComplianceRegulatory ReportingLitigationRecovery Management