Job Description Company Description Viva Money is a digital lending company focused on simplifying access to credit through mobile-first, technology-driven solutions. As the creator of India’s first Super Flexi Loan, Viva Money offers a fully digital, quick, and flexible borrowing experience designed to support everyday needs and unexpected financial situations. The company partners with RBI-registered Fincfriends Private Limited (NBFC) to deliver secure, reliable, and customer-centric lending products. With offerings ranging from small to mid-sized loans, interest-free periods, and flexible repayment options, Viva Money is committed to bridging India’s financial inclusion gap. As part of a global fintech ecosystem, the organization continues to innovate to build a smarter, faster, and more flexible future of lending. Role Overview We are looking for an Assistant Manager – Legal to support the legal, regulatory and commercial requirements of a fast-growing digital lending platform / Lending Service Provider (LSP). The role will involve working closely with Product, Technology, Business, Operations, Risk, Compliance and partner NBFCs/banks to ensure that the platform, customer journeys, technology integrations and commercial arrangements are legally and regulatorily sound. This is a high-ownership role requiring strong understanding of digital lending, fintech regulations, technology contracting and customer-facing regulatory requirements. Role Description 1. Digital Lending & Regulatory Advisory - Advise business and product teams on applicable RBI regulations and other laws governing digital lending and LSP activities. - Support compliance with the RBI Digital Lending framework, including requirements relating to LSPs, customer disclosures, KFS, digital journeys,



data handling, grievance redressal and outsourcing arrangements. - Advise on new products, features, lending journeys, pricing, fees, collection processes and changes to the platform. - Monitor regulatory developments and translate them into actionable business requirements. - Support regulatory gap assessments, compliance reviews and implementation of regulatory changes. 2. Partner NBFC / Bank Arrangements - Draft, review and negotiate agreements with lending partners, including LSP agreements, sourcing arrangements, technology arrangements, service agreements and other partnership documentation. - Advise on allocation of responsibilities between the LSP and regulated entities. - Review arrangements involving sourcing, underwriting support, customer onboarding, servicing, collections and other lending activities. - Support regulatory and contractual governance of third-party and partner relationships. 3. Product & Customer Journey - Work with Product and Technology teams to build legally compliant digital lending journeys. - Review customer-facing documentation, including loan application journeys, T&Cs;, consent language, privacy notices, KFS-related disclosures and other customer communications. - Review implementation of regulatory disclosures and customer consent mechanisms. - Identify legal and regulatory risks in product flows and recommend practical solutions. 4.



Technology, Commercial & Vendor Contracts - Draft, review and negotiate MSAs, technology agreements, SaaS agreements, vendor agreements, NDAs, marketing agreements and other commercial contracts. - Advise on technology risk, service levels, liability, indemnities, intellectual property, confidentiality, audit rights, business continuity and termination provisions. - Support contracting with technology, KYC, credit bureau, collections, payment, communication and other fintech vendors. - Develop and maintain standard templates, clause libraries and contracting playbooks. 5. Data Protection & Technology Governance - Advise on applicable data protection and privacy requirements, including the Digital Personal Data Protection Act, 2023. - Review privacy notices, consent mechanisms, data-processing arrangements and data-sharing structures. - Support legal review of data access, retention, storage, sharing and processing arrangements. - Work with Technology, Information Security and Compliance teams on privacy and data governance matters. 6. Risk, Disputes & Regulatory Matters - Identify and advise on legal, regulatory and contractual risks arising from platform operations. - Manage legal notices, disputes, consumer complaints and regulatory queries in coordination with internal teams and external counsel. - Support responses to regulatory inspections, audits and information requests where applicable. - Assist in developing remediation plans for identified legal and regulatory gaps. Basic Requirements - LL.B. degree from a recognised university; enrolment with the Bar Council preferred. - 4–6 years of post-qualification in the mentioned corporate role

📌 Assistant Manager Legal (Mumbai)
🏢 VIVA Money
📍 Mumbai