Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD
Business
Legal
Unit
NBFC - Legal & SAM
Location
Mumbai
Poornata Position Number of the job
Reports to: Poornata Position Number
Poornata Position Title of the job
Lead Legal
Reports to: Poornata Position Title
National Head-Non Litigation (Corporate and Retail)
Function
Legal
Reports to: Function
Department
Legal
Reports to: Department
Date of writing/ Updation of JD
~ Job Purpose: Write the purpose for which the job exists (in 2-3 lines)

To provide legal support to the Gold Loan business by advising on product structuring, branch operations, customer documentation, regulatory requirements, vendor contracts, and legal risk management. The role will ensure that business objectives are achieved within the applicable legal and regulatory framework while safeguarding the interests of the Company.
~ Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Business Workforce Number
Unit Workforce Number
Function Workforce Number
Department Workforce Number
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
~ Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section

Gold Loan Business operates in a highly regulated and customer-facing environment, requiring a balance between business growth, regulatory compliance, risk management, and customer protection. The role supports a geographically dispersed branch network and works closely with Business, Operations, Credit, Collections, Compliance, Risk, and external stakeholders to ensure legally compliant and efficient business execution.
Key Challenges




Balancing Business Growth with Risk Mitigation
Managing a Dynamic Regulatory Workplace
Legal Support for Large Branch Network
Documentation and Process Standardization
Stakeholder Management
Reputational and Customer Protection Risks
Speed of Execution
This role requires strong legal and regulatory expertise, commercial judgment, stakeholder management skills, and the ability to provide practical solutions in a fast-paced and evolving business environment.
~ Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Key Result Areas
Supporting Actions
Business Advisory & Transaction Support
Provide day-to-day legal support to the Gold Loan business on operational, product, and strategic matters.
Review and advise on gold loan products, processes, and customer journeys.
Support business teams on branch operations, loan origination, disbursement, renewals, auction processes, and recovery matters.
Identify legal risks and provide practical, business-oriented solutions.
Documentation & Contract Management
Draft, review, standardize, and negotiate:
Gold Loan Agreements
Pledge Forms
Security Documents
Auction Terms & Conditions
Vendor and Service Agreements
Branch Lease Agreements
Empanelment Contracts
Customer Communication Templates
Ensure documentation remains legally enforceable and aligned with regulatory requirements.
Regulatory & Compliance Advisory
Advise business teams on:
RBI regulations applicable to NBFCs
Fair Practices Code
KYC/AML requirements




Customer grievance management
Outsourcing guidelines
Data privacy and information security requirements
Monitor regulatory developments impacting the Gold Loan business and drive necessary changes.
Legal Risk Management
Assess legal implications of new products, processes, and initiatives.
Review policies, SOPs, and operational manuals from a legal perspective.
Support risk assessments and internal control reviews.
Develop preventive legal risk mitigation measures.
Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
NA
~ Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type Frequency Nature
Internal
Team
Stakeholders (All businesses & depts)
Daily
Daily
Lead, guide , manage
Advise, support
External
Lawyers
Law firms
Statutory authorities
Regulatory bodies
Enforcement agencies
Clients
Vendors
Daily
Daily
Need basis
Need basis
Need basis
Need basis
Weekly
Followup, Coordinate, Instruct
Followup, Coordinate, Instruct
Liaison, Represent & Respond to queries
Liaison, Represent & Respond to queries
Liaison, Represent & Respond to queries
Negotiate, Advise
Manage, Review
~ Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.
Job Holder
Reports to – Manager
Name
National Head-Non Litigation(Corporate and Retail )
Date of Entry / Approval

📌 Legal & Compliance Counsel Job (India)
🏢 Aditya Birla Group
📍 India