Role & responsibilities

- Provide legal advisory and risk management support across lending, insurance, wealth management, digital platforms, payments, partnerships, and allied financial services businesses.
- Review, draft, negotiate, and vet a wide range of agreements including customer documentation, distribution agreements, partnership contracts, technology agreements, vendor contracts, outsourcing arrangements, NDAs, referral agreements, and strategic alliance documents.
- Advise Business, Product, Credit, Risk, Operations, Compliance, Technology, Collections, and Leadership teams on legal, regulatory, and governance matters.
- Ensure compliance with applicable laws, RBI regulations, IRDAI regulations, Digital Lending Guidelines, data privacy requirements, consumer protection norms, and internal governance standards.
- Support product development and digital initiatives by providing legal inputs on product structuring, customer journeys, disclosures, consent frameworks, and regulatory requirements.
- Identify legal and regulatory risks across products, processes, partnerships, and strategic initiatives, and recommend appropriate mitigation measures.
- Manage legal aspects of secured and unsecured lending, security creation, recoveries, enforcement actions, title due diligence, and collateral-related matters wherever applicable.
- Handle disputes, customer grievances, claims, litigation, arbitration, recovery proceedings, and regulatory matters in coordination with internal stakeholders and external counsels.




- Monitor changes in applicable laws, regulations, and industry developments and proactively advise business teams on potential impact and required actions.
- Drive standardization of legal documentation, contract management processes, policy frameworks, governance controls, and legal MIS across businesses.
- Coordinate with regulators, industry bodies, external law firms, consultants, and business partners on legal and regulatory matters.

Skills & Qualifications

- Solid understanding of banking, NBFC, lending, insurance, wealth management, fintech, and digital financial services businesses.
- Sound knowledge of applicable laws and regulations including RBI Guidelines, Digital Lending Guidelines, IRDAI Regulations, Contract Act, Consumer Protection Act, Information Technology Act, Data Privacy requirements, SARFAESI Act, Insolvency & Bankruptcy Code (IBC), Companies Act, and other relevant financial sector regulations.
- Experience in commercial contracting, regulatory advisory, product review, partnership structuring, dispute management, and legal risk assessment.
- Strong business acumen with the ability to provide solution-oriented legal advice while balancing risk and commercial objectives.
- Excellent stakeholder management, negotiation, drafting, analytical, and communication skills.
- Ability to manage multiple assignments, work under tight timelines, and operate effectively in a dynamic, growth-oriented environment.

Preferred candidate profile

Age limit up to 33

📌 Senior Counsel (Mumbai)
🏢 Aditya Birla Capital Digital
📍 Mumbai