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

About the Role
Fintech 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 Responsibilities
1. 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