About the Company

EFICYENT is a regulated global fintech platform designed to streamline cross-border payments. We empower financial institutions, money transfer operators, payment aggregators, and businesses by providing payout solutions in c. 100 countries and local currencies. Through a single API, EFICYENT offers rapid cross border payments, compliance-ready infrastructure, and scalable white-label options.

About the Role

We are seeking a detail-oriented and commercially astute Commercial Contracts Associate (Legal) to join our growing global FinTech organisation.

The ideal candidate will have at least 2-3 years of hands-on experience in drafting, reviewing, negotiating and managing commercial agreements, preferably within the FinTech, banking, payments, technology or financial services sectors.

The role involves working closely with business development, commercial, operations, compliance and senior management teams to support contractual negotiations, mitigate legal risks and facilitate business partnerships across multiple jurisdictions.

· Job Location – HSR Extension, Bengaluru, India

· Hiring Entity – CodeGama Private Limited

· Work Arrangement: This is a fully office-based role in Bangalore, requiring mandatory attendance at the office with no work-from-home option. The role also requires working on 2nd & 4th Saturdays

What You’ll Be Doing?

1. Commercial Contract Drafting & Review

· Draft, review, revise and negotiate a wide range of commercial agreements, including:

· Master Services Agreements (MSAs)

· Payment Processing and Remittance Agreements

· Banking and Financial Institution Partnership Agreements

· Vendor and Service Provider Agreements

· Non-Disclosure Agreements (NDAs)

· Referral, Agency and Distribution Agreements

· Technology, SaaS and API Integration Agreements

· Data Processing Agreements (DPAs)

· Service Level Agreements (SLAs)





· Identify contractual risks and propose commercially practical solutions while protecting the company's legal and financial interests.

· Ensure agreements contain appropriate provisions relating to liability, indemnification, confidentiality, data protection, intellectual property, termination and dispute resolution.

2. Contract Negotiation & Commercial Support

· Independently manage contract reviews and negotiations with clients, banking partners, payment service providers, vendors and other counterparties.

· Review counterparty amendments, prepare redlines and recommend alternative contractual language.

· Work closely with commercial teams to facilitate timely contract execution without compromising legal safeguards.

· Escalate material legal, regulatory and commercial risks to senior management.

3. Legal & Regulatory Support

· Support the legal and compliance teams in assessing contractual obligations under applicable financial services, payments and data protection regulations.

· Assist with agreements involving international counterparties and cross-border payment arrangements.

· Coordinate with internal compliance teams and external legal counsel on jurisdiction-specific legal requirements.

· Monitor relevant legal and regulatory developments affecting the company's contractual arrangements.

4. Contract Lifecycle Management

· Maintain an organised repository of executed agreements, amendments, renewals and contractual obligations.

· Track contract expirations, renewal dates, termination notices and key commercial commitments.

· Develop and maintain standard agreement templates, contractual clauses and negotiation playbooks.





· Support improvements to internal contract approval and execution processes.

5. Cross-Functional Collaboration

· Partner with business development, finance, operations, product and compliance teams on contractual matters.

· Provide practical legal guidance on commercial arrangements, contractual risks and negotiation positions.

· Support recent market entries, product launches and strategic partnerships from a contractual perspective.

What You’ll Need

- Bachelor of Laws (LL.B.) or equivalent from a recognised university.
- Minimum 2 years of relevant experience in drafting, reviewing and negotiating commercial contracts.
- Strong understanding of commercial contract law and contractual risk allocation.
- Demonstrated ability to review agreements independently and prepare clear contractual amendments.
- Excellent written and verbal English communication skills.
- Strong attention to detail, analytical ability and commercial judgement.
- Ability to manage multiple agreements and negotiations simultaneously in a fast-paced environment.
- Proficiency in Microsoft Word, including Track Changes and document comparison tools.

Nice to Have

- Prior experience in FinTech, payments, banking, financial services or technology companies.
- Experience working with international commercial agreements, particularly involving the UK, UAE, Singapore, Hong Kong, Canada or other major financial markets.
- Familiarity with payment processing, cross-border remittances, foreign exchange and financial institution partnerships.
- Understanding of data protection, AML/KYC and financial services regulatory frameworks.
- Experience coordinating with external legal counsel and cross-border commercial teams.

Important Notice for Candidates

· Only candidates with a minimum 2-3 years’ experience in contract review will be considered.

How to Apply

· Interested candidates are invited to submit their CV at [email protected]

📌 Commercial Contracts Associate (Legal) (Bengaluru)
🏢 EFICYENT
📍 Bengaluru