Head of Compliance – Digital LendingFintech Cloud Pvt. Ltd. | Short-Term Personal Loans | LSP to Partner NBFCs

About the RoleFintech Cloud operates as a Lending Service Provider (LSP) for multiple Base Layer NBFCs, offering short-term personal loans across several brands and digital platforms. We are looking for a hands-on compliance leader who will implement RBI requirements across our products, customer journeys, and partnerships, not just document them.

Industry: Fintech | Digital Lending | Short-Term Personal Loans

Experience: 10-15+ Years

Location: Delhi NCR

Employment Type: Full time

Reporting To: Group CEO

Immediate Joiner preferred

Email to : [email protected]; CC - [email protected];

Subject line: Head of Compliance – Digital Lending

Salary range - In line with market standards

Key Responsibilities1. Regulatory Compliance (LSP and NBFC)

- Implement the RBI Digital Lending Directions across the loan lifecycle: onboarding, KYC, sanction, disbursement, repayment, collections, and closure.
- Ensure NBFCs meet obligations under Scale Based Regulation, including Fair Practices Code, KYC/AML, outsourcing, and grievance redressal.
- Track RBI circulars and amendments, assess their impact, and drive timely rollout.

2. Digital Lending Controls

- DLG Guidelines implementation and GAP analysis.
- Oversee consent-based data collection, data storage in India, and compliance with the DPDP Act.
- Maintain DLA and LSP disclosures, DLG arrangements, and RBI reporting requirements.

3. NBFC Partnership Governance

- Drive compliance responsibilities between the LSP and each partner NBFC
- Manage partner due diligence, audits, certifications,



and closure of observations.

4. Credit Bureau (CIC) Reporting

- Ensure complete, accurate, and timely CIC reporting at the prescribed frequency.
- Resolve rejections, reconciliation gaps, and borrower disputes within regulatory timelines.

5. Brand, Product, and Marketing Review

- Review apps, websites, ads, and customer communications before launch for accurate rates, fees, and product claims.
- Keep brand-wise and product-wise compliance trackers up to date.

6. Collections and Customer Protection

- Oversee recovery practices and third-party collection agencies against RBI conduct norms.
- Monitor complaints, the Grievance Redressal Officer function, and RBI Ombudsman escalations.

7. Audits, Litigation, and Reporting

- Coordinate captive partner-NBFC and regulatory audits and inspections, and track findings
- Manage regulatory correspondence with external counsel.
- Maintain the compliance calendar, obligation register, and report key risks to senior management.
- Lead compliance training across teams.

Qualifications
- Degree in Law, Finance, Commerce, or a related field. CS, LLB, is preferred.
- 15 years in compliance or regulatory roles, including experience in an NBFC, fintech, or digital lending platform.
- Strong working knowledge of the RBI Digital Lending Directions, Scale Based Regulation for NBFCs, KYC Master Directions, CICRA, and the DPDP Act.
- Hands-on experience with CIC reporting, NBFC–LSP partnerships, audits, and litigation.
- Proven ability to work across business, product, technology, operations, and collections teams.
- Preferred: Experience with multi-brand or multi-lender setups and fixing compliance gaps

📌 Head of Compliance (New Delhi)
🏢 Fintech Cloud
📍 New Delhi