Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD BusinessLegalUnitNBFC - Legal & SAMLocationMumbaiPoornata Position Number of the job Reports to: Poornata Position NumberPoornata Position Title of the job Lead LegalReports to: Poornata Position TitleNational Head-Non Litigation (Corporate and Retail)FunctionLegalReports to: Function DepartmentLegalReports to: Department Date of writing/ Updation of JD1) 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.2) 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 3) 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/SectionGold 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 ChallengesBalancing Business Growth with Risk MitigationManaging a Dynamic Regulatory EnvironmentLegal Support for Large Branch NetworkDocumentation and Process StandardizationStakeholder ManagementReputational and Customer Protection RisksSpeed of ExecutionThis 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 setting.4) 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 ActionsBusiness 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 AgreementsPledge FormsSecurity DocumentsAuction Terms & ConditionsVendor and Service AgreementsBranch Lease AgreementsEmpanelment ContractsCustomer Communication Templates? Ensure documentation remains legally enforceable and aligned with regulatory requirements.Regulatory & Compliance Advisory? Advise business teams on:



RBI regulations applicable to NBFCsFair Practices CodeKYC/AML requirementsCustomer grievance managementOutsourcing guidelinesData 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.5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) NA6) 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 objectivesRelationship Type Frequency Nature Internal TeamStakeholders (All businesses & depts)DailyDailyLead, guide, manageAdvise, supportExternal LawyersLaw firmsStatutory authoritiesRegulatory bodiesEnforcement agenciesClientsVendorsDailyDailyNeed basisNeed basisNeed basisNeed basisWeeklyFollowup, Coordinate, InstructFollowup, Coordinate, InstructLiaison, Represent & Respond to queriesLiaison, Represent & Respond to queriesLiaison, Represent & Respond to queriesNegotiate, AdviseManage, Review7) 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 HolderReports to – Manager NameNational Head-Non Litigation(Corporate and Retail )Date of Entry / Approval

📌 Legal Counsel - Mumbai (Pune)
🏢 Birla Carbon Italy
📍 Pune