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: • Robust 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

📌 Legal & Compliance Officer (Multi-Industry Conglomerate) (Goa)
🏢 RiverForest Connections Private
📍 Goa