Role:

We are looking for a Manager / Assistant Manager - Legal to support the legal, regulatory, commercial and financing requirements of a growing NBFC engaged in digital lending. The role will provide end-to-end legal support across the NBFC's lending business, including digital lending and product advisory, regulatory compliance, lending documentation, technology and vendor arrangements, corporate matters and fundraising / borrowing transactions. The candidate will work closely with Business, Credit, Risk, Compliance, Finance and Treasury teams.

Key Responsibilities:

1. NBFC Regulatory & Digital Lending Advisory:

- Advise business and product teams on RBI regulations applicable to NBFCs and digital lending.

- Support compliance with RBI's digital lending framework, including customer protection, KFS, disclosures, pricing, grievance redressal, LSP arrangements, data governance and outsourcing requirements.

- Advise on new lending products, customer journeys, underwriting models, pricing structures, collection processes and product changes.

- Track RBI and other regulatory developments and assess their impact on the business.

- Support regulatory gap assessments and implementation of regulatory changes across business functions.

2. Lending & Product Documentation:

- Draft, review and update loan agreements, sanction letters, KFS, T&Cs, undertakings, declarations and other customer-facing documentation.

- Advise on lending structures, repayment, foreclosure, security, default, recovery and collection processes.

- Ensure lending documentation and customer journeys are aligned with applicable regulatory requirements.

3. LSP, Fintech & Commercial Arrangements:

- Draft and negotiate LSP agreements, sourcing arrangements, technology agreements, vendor contracts, MSAs, NDAs and other commercial arrangements.

- Advise on arrangements with fintech platforms, technology providers, collection agencies, KYC vendors, payment providers and other service providers.

- Review outsourcing and third-party arrangements from regulatory, contractual and risk perspectives.

- Ensure appropriate audit, inspection, confidentiality, data protection, business continuity and termination protections are incorporated into contracts.

4. Fundraising, Borrowings & Financing Transactions:

- Provide legal support for the NBFC's borrowing and fundraising activities.

- Assist with transactions involving banks, financial institutions, investors and other funding partners.

- Review, draft and negotiate financing documentation, including facility agreements, sanction letters, term sheets, security documents, undertakings and related transaction documents.

- Support legal due diligence and preparation of information / documentation required by lenders and investors.

- Coordinate with external counsel, Finance and Treasury teams for transaction execution and closing. Support creation, perfection, modification and release of security and related filings, where applicable.

- Maintain transaction documentation and ensure compliance with post-closing legal and contractual obligations. Support legal review of debt capital market / debt issuance transactions, including NCD or other debt fundraising structures, as applicable to the business.

5. Corporate & Governance Matters:

- Support corporate legal matters under applicable company law and NBFC regulatory requirements.

- Assist with Board and shareholder documentation, resolutions, approvals and corporate records.

- Support legal review of corporate actions, investments, borrowings and other material transactions.

- Coordinate with Company Secretarial and Compliance teams on regulatory and governance requirements.

Educational Qualification / Work Experience:

- LL.B. degree with 3 to 6 years of post-qualification experience.

- Experience in an NBFC, bank, fintech, financial institution or financial services organisation.

- Strong experience in commercial contracts and legal drafting.

- Working knowledge of RBI regulations applicable to NBFCs and digital lending.

- Understanding of lending documentation and financial services transactions.

- Strong analytical, drafting, negotiation and communication skills. Ability to independently manage matters and work with multiple cross-functional stakeholders.

- Preferred / Good to Have: Hands-on experience with digital lending and NBFC regulatory frameworks.