Key Responsibilities

- Regulatory Compliance & RBI Governance

- Own and drive end-to-end compliance with RBI regulations applicable to digital lending businesses, NBFCs, and lending partnerships.

- Act as primary SPOC for the RBI on all regulatory communications, inspections, supervisory reviews, audits, reporting requirements, and ad hoc information requests.

- Monitor evolving RBI regulations, circulars, master directions, and supervisory expectations, translating them into actionable business requirements.

- Establish a robust regulatory compliance framework, compliance monitoring program, and governance structure across the organisation.

- Ensure timely submission of all regulatory filings, returns, certifications, and compliance reports.

- Compliance Function Building

- Build and institutionalise the compliance function, policies, controls, monitoring mechanisms, and operating procedures; hire and mentor the compliance team.

- Develop scalable compliance processes that support rapid business growth while maintaining regulatory discipline.

- Drive compliance automation and technology-enabled monitoring capabilities to improve oversight and reporting.

- Product & Business Compliance

- Partner with Product, Business, Credit, Risk, Operations, Technology, and Customer Experience teams to embed compliance at the product design stage.

- Conduct regulatory assessments for new products, partnerships, features, and process changes.

- Evaluate compliance implications of lending programs, digital journeys, customer onboarding, collections, outsourcing arrangements, and third-party partnerships.

- Provide practical regulatory guidance to business teams while balancing growth objectives and regulatory expectations.





- Regulatory Inspections & Audit Readiness

- Lead RBI inspections, supervisory reviews, thematic examinations, and regulatory audits.

- Coordinate internal audits and compliance assessments, ensuring timely closure of observations and implementation of corrective actions.

- Maintain ongoing regulatory readiness through periodic reviews, control testing, and compliance assurance activities.

- Drive remediation programs arising from regulatory observations and audit findings.

- Regulatory Change Management

- Establish a structured regulatory change management process.

- Assess regulatory developments and coordinate implementation across relevant stakeholders.

- Ensure policies, procedures, controls, and operational processes remain aligned with evolving regulatory requirements.

- Stakeholder Management

- Work closely with senior leadership, risk, credit, technology, product, operations, and external regulatory stakeholders.

- Provide periodic compliance updates to leadership and Board-level committees.

- Build solid, credible relationships with regulators and industry bodies.

Ideal Candidate Profile

Experience

- 8+ years of experience in Regulatory Compliance within NBFCs, fintechs, banks, digital lending platforms, or regulated financial institutions.

- Strong exposure to RBI-regulated lending businesses.

- Experience handling RBI inspections, regulatory reviews, audits, and supervisory interactions.

- Proven experience implementing compliance frameworks within a high-growth organisation.

- Exposure to digital lending, consumer lending, unsecured lending, secured lending, or embedded finance ecosystems is preferred.

Skills: rbi,digital,regulatory compliance

📌 Head of Regulatory Compliance (Bengaluru)
🏢 Time Hack Consulting
📍 Bengaluru