Rupeek - Manager - Legal

About Rupeek:

Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes. Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital. Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity.

Job Title: Manager - Legal

Education: LLB from a reputed Law College.

Experience: Minimum 5 years in-house legal experience

Location: Bangalore

Role:

a) Contract Management

(i) Drafting, reviewing, and negotiating agreements for critical business lines like (i) Business Correspondent (ii) Co-Lending Partnership for secured & unsecured loans (iii) Escrow Account opening (iv) PA/PG integrations (iv) Co-Branded card partnership (iv) Insurance marketing/corporate agency.

(ii) Drafting, reviewing, and negotiating agreements for vendors like (i) technology service providers/software license owners (ii) lead referrals agencies (iii) marketing agencies (iv) vault service providers (v) HR consultants/service providers/staffing solution providers (vi) celebrity management companies etc.

(iii) Drafting customer facing agreements for various secured and unsecured products including loan Tncs, sanction letters, application forms, pledge cards etc.

b) Compliance & Legal Advisory

(i) Products & processes advisory in compliance with RBI Guidelines including advice on new as well as product/process changes in view of RBI Regulations

(ii) General corporate legal advisory for various functions of the organization on matters such as HR issues, brand marketing, IPR management, fidelity and security issues while handling gold/company assets.

c) Regulatory Liasoning

(i) Analyzing audit observations by the Department of Supervision (RBI) and preparing/finalizing Company's responses and working with the regulator in clarifying Company's position on various observations. Responding to RBI/MeITy on ad-hoc queries on Company's business model and operations.

(ii) Drafting and following up application of licenses, seeking clarification on certain subjects, proactively engaging with RBI through industry bodies like Fintech Convergence Council.

d) Fund Raise

(i) Connecting with potential and existing investors for legal queries in equity transactions.

(ii) Leading legal due diligence and supporting closure of transaction documents (SHA/SSA)

(iii) Supporting debt raise/venture debt transactions in reviewing term sheet, credit facility agreements, deed of hypothecation etc.

Persona:

- LLB from a reputed Law College.

- Minimum 5 years in-house legal experience in the corporate function of a reputed company preferably experience in Banks/NBFCs or FinTech industry.

Skills:

- Demonstrated (hands on experience) subject matter knowledge in drafting, negotiating and closing commercial contracts

- Strong Knowledge of regulatory Framework for NBFCs and Banks

- Experienced in negotiating contracts including with international counterparties

- Good organizational and interpersonal skills

- Enable business without compromising on the process.

- Prioritize and manage business stakeholders and workload effectively, with quick turn-around requirements.

- Strong communication skills and excellent command over English (both oral and written) with the ability to interface with people across all levels in the organization