Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide , we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

NIRA is building a consumer credit platform for Middle India, targeting ~200m underservied people. This is a hybrid role, requiring you to work in our Bangalore office 2-3 days/week .

Compliance Analyst, NIRA
As Compliance Analyst at NIRA, an RBI-registered NBFC, you’ll carry out our risk-based compliance testing program across digital lending, KYC (Know Your Customer), anti-money laundering, credit bureau reporting, customer conduct and data protection, turning regulations into testable controls and backing every finding with audit-ready evidence. You’ll track regulatory change from RBI, FIU-IND and other authorities, keep our policies and procedures current, and advise product, operations and collections teams on customer journeys, pricing and partnerships. You’ll also report results to management and the Board, support RBI inspections, and review the partners and vendors we rely on, so your work directly shapes how a regulated lender operates.
Own compliance testing: Execute the risk-based annual testing plan, running tests of design and operating effectiveness across digital lending, KYC, AML/CFT (anti-money laundering and countering the financing of terrorism), fair practices, outsourcing and IT controls.
Protect credit reporting quality: Test the completeness,



timeliness and field-level accuracy of submissions to credit bureaus against the loan management system, and track data quality scores against industry benchmarks.
Prepare workpapers with clear scope, sampling, test steps and conclusions, classify findings by severity, and drive remediation with business owners through to evidence-backed closure.
Maintain the regulatory change tracker across RBI, FIU-IND (Financial Intelligence Unit – India), MeitY and other bodies, and give practical day-to-day advice on customer journeys, pricing, collections scripts and partnerships.
Keep policies current: Maintain the policy library and compliance calendar, draft amendments to Board-approved policies, and write the procedures and checklists that sit beneath them.
Report and support inspections: Prepare compliance reporting for management, the Risk Management Committee and the Board, and support RBI inspections, supervisory correspondence and regulatory filings.
Monitor grievance redressal end to end, oversee escalated and regulator-routed complaints, and report on trends and root causes.
Oversee partners and data protection: Run compliance due diligence and periodic reviews of lending partners, collection agencies and vendors, and help operate and test our framework under India's Digital Personal Data Protection (DPDP) Act.
3–4 years of post-qualification experience in compliance,



legal or regulatory assurance at an NBFC (non-banking financial company), bank, payments institution or regulated fintech; digital lending experience is strongly preferred.

- An LLB, CA, CS, or a postgraduate qualification in finance, commerce or risk.
- Working command of the RBI framework for NBFCs and digital lending, including the digital lending directions, KYC directions, scale-based regulation and the Fair Practices Code.
- Practical AML knowledge grounded in the Prevention of Money Laundering Act, 2002 and its record-keeping rules, plus familiarity with FIU-IND reporting.
- Comfort working directly with product, engineering, operations and collections teams.

Familiarity with data protection obligations under the DPDP Act, 2023 and credit information obligations under the Credit Information Companies (Regulation) Act.

If you're bringing ambition and drive to what we're building, we want to hear from you.

Virtual-first teamwork: You’ll get started with a WFH office reimbursement.
Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.
Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.
You can count on direct exposure to our leadership team — we’re a team where positive ideas travel quickly.
Growth opportunities follow your contributions, not rigid promotion timelines.
When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures. Join us in building the credit system that people deserve.

📌 Compliance Officer - Home/Flexible working (India)
🏢 Important Company of the Sector
📍 India