Head of Compliance – Digital Lending

Fintech 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

- 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.

- 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.

- NBFC Partnership Governance

Drive compliance responsibilities between the LSP and each partner NBFC

Manage partner due diligence, audits, certifications,



and closure of observations.

- 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.

- 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.

- 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.

- 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.

Solid 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

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