Key Objective

Strategic compliance partner to the Retail Loans business, working closely with
Business, Operations, Risk, Legal, Internal Audit, Product, Technology,
Collections and Customer Experience teams to identify compliance risks,
strengthen controls, drive remediation and embed a strong compliance culture

Responsibilities
Business Compliance Governance – Own and strengthen the compliance framework for
the Retail Loans business across the complete customer lifecycle, ensuring
alignment with RBI regulations, internal policies, governance standards and risk
appetite.
Regulatory Compliance & Change Management – Monitor regulatory developments,
assess business impact and drive timely implementation of applicable RBI
regulations, circulars and regulatory requirements across Retail Lending.
Customer Lifecycle Compliance – Ensure compliance across sourcing, KYC, credit,
documentation, disbursement, servicing, collections, foreclosure, settlement,
NOC, loan closure and grievance handling, with a solid focus on fair customer
treatment and transparency.




Compliance Monitoring & Testing – Establish a risk-based compliance monitoring
framework, conduct periodic process/control reviews, identify gaps and
deviations, and drive corrective and preventive actions to closure.
Collections & Conduct Risk – Provide compliance oversight for collections and
recovery practices, including customer communication, calling practices, field
collections, scripts, escalation mechanisms and adherence to applicable
regulatory and internal guidelines.
Customer Complaints & Root-Cause Governance – Analyse compliance-related
complaints, regulatory escalations and recurring customer issues to identify
systemic gaps, drive root-cause resolution and embed learnings into business
processes.
Audit & Regulatory Observation Management – Partner with Internal Audit, Risk,
Compliance and regulatory teams to manage observations, remediation plans and
closure of high-risk and repeat findings, ensuring s

📌 AVP - Business Compliance - RFB - Mumbai - Lodha (I-Think Techno Campus) - MM (Thane)
🏢 Tata Capital
📍 Thane