Role Overview-
To ensure end-to-end legal
and regulatory compliance for all lending and operational activities of the
NBFC, including client due diligence, transaction structuring, documentation,
regulatory adherence, and litigation management in line with RBI guidelines and
applicable laws.

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:
-RBI Act, Rules, Regulations, and Circulars
-Companies Act, 2013
-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:
-Charge registration with ROC
-Security interest registration with CERSAI
-LEI (Legal

📌 Legal & Compliance Officer (Panaji)
🏢 V. M. SALGAOCAR AND BROTHER
📍 Panaji