We are looking for a Legal & Documentation Officer to support the Micro LAP business in legal document verification, property/ document scrutiny, loan documentation and legal due diligence.

The primary responsibility of this role will be to verify and scrutinize legal and property-related documents submitted for Micro LAP proposals, identify legal/documentation gaps and coordinate with internal teams, customers, field teams and external legal counsel to ensure that loans are processed with proper and legally compliant documentation.

The candidate should have a good understanding of property documents, title verification, legal due diligence, loan documentation and basic recovery/legal processes.

Language Requirement Mandatory

- Hindi Read, Write & Speak: Mandatory
- Tamil – Read, Write & Speak: Mandatory
- English – Read, Write & Speak: Mandatory

Key Responsibilities

1. Micro LAP Document Verification – Primary Responsibility

- Conduct detailed verification and scrutiny of legal and property documents submitted for Micro LAP loan proposals.
- Verify the completeness, validity and consistency of property-related documents.
- Review documents such as:
- Sale Deeds
- Mother / Parent Documents
- Title Deeds
- Encumbrance Certificates (EC)
- Patta / Chitta
- Adangal
- Property Tax Receipts
- Possession Certificates
- Building / Land-related approvals
- Legal Heir / Succession documents
- Partition / Settlement / Gift Deeds
- Power of Attorney documents
- Other property and ownership-related records.

- Identify discrepancies, missing documents, ownership issues, title defects and other legal risks.
- Ensure that documents submitted by customers are properly arranged and meet the prescribed legal/documentation checklist.
- Coordinate with external advocates / panel lawyers for title verification and legal opinions wherever required.
- Review legal opinions received from panel advocates and highlight observations or concerns to the reporting manager.
- Ensure timely completion of legal/document verification within defined TAT.

2.



Property & Title Due Diligence

- Assist in conducting preliminary legal scrutiny of properties offered as security for Micro LAP loans.
- Verify ownership and title-related documents.
- Check for apparent encumbrances, competing claims, ownership discrepancies and documentation gaps.
- Identify potential legal risks affecting the enforceability or acceptability of the proposed security.
- Coordinate with panel advocates for detailed title search and legal due diligence.
- Follow up on pending legal reports and documentation deficiencies.

3. Loan Documentation

- Prepare, verify and maintain Micro LAP-related legal and loan documentation.
- Review loan agreements, sanction-related documents, security documents and other legal documents.
- Ensure execution of documents as per approved formats and applicable requirements.
- Verify whether required signatures, stamps, witnesses and supporting documents are in place.
- Coordinate with Operations, Credit, Business and Branch teams for completion of documentation before disbursement.
- Ensure proper filing and maintenance of legal documents and records.

4. Legal Query & Business Support

- Provide legal/documentation support to Credit, Business, Operations and Branch teams.
- Respond to queries relating to property documents and loan documentation.
- Highlight legal/documentation risks before loan processing or disbursement.
- Assist in resolving documentation discrepancies and deficiencies.
- Coordinate with customers and field teams for obtaining missing or corrected documents.

5. Legal & Recovery Support

- Assist the Legal team in recovery-related documentation and legal matters.




- Support legal notices, borrower-related legal correspondence and documentation wherever required.
- Assist in matters relating to cheque bounce, arbitration, recovery and borrower disputes.
- Maintain records of legal cases and documentation assigned to the team.
- Coordinate with external advocates and legal vendors when required.

6. Compliance & Process Management

- Ensure compliance with internal legal and documentation policies.
- Follow prescribed Micro LAP legal checklists, SOPs and approval processes.
- Maintain proper records of legal verification and documentation.
- Support internal audits and legal audits.
- Ensure timely escalation of critical legal/documentation issues.
- Suggest improvements to legal documentation and verification processes.

7. Stakeholder Coordination

- Coordinate with:
- Credit Teams
- Business / Sales Teams
- Branch Operations
- Risk & Compliance
- Collections
- Panel Advocates
- External Legal Firms
- Customers / Borrowers

- Ensure timely closure of legal and documentation observations.

Preferred Candidate Profile

- LLB / LLM from a recognized university.
- 0–5 years of experience in Legal, Documentation, Property Verification or Legal Due Diligence.
- Fresh law graduates with strong knowledge of property documentation may be considered.
- Candidates with experience in Micro LAP, LAP, Housing Finance, NBFC, Banking, Mortgage Finance or Financial Services will be preferred.
- Experience in property document verification / title verification / legal scrutiny is highly preferred.
- Positive understanding of property and land-related legal documents.
- Strong legal drafting and documentation skills.
- Good analytical and document-review skills.
- Strong attention to detail and ability to identify documentation discrepancies.

Mandatory Language Skills:

Hindi – Read, Write & Speak: Mandatory

Tamil – Read, Write & Speak: Mandatory

English – Read, Write & Speak: Mandatory

📌 Officer - Legal and Documentation - Micro LAP (Kochi)
🏢 Muthoot Microfin
📍 Kochi