Assistant Legal Manager

Viva Money Solutions; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Viva Money Solutions in Bengaluru is seeking an Assistant Manager – Legal to provide regulatory, commercial, and transactional support across NBFC and digital lending activities.

You will work with Business, Credit, Risk, Compliance, Finance, and Technology teams, handling contracts, regulatory reviews, data protection, and dispute matters.

Qualifications

• LL.B. from a recognised university; Bar Council enrolment preferred.
• 4–6 years of post-qualification experience in NBFC/fintech.
• Experience in NBFC, bank, fintech, or financial services.
• Strong drafting, negotiation, and analytical abilities.
• Knowledge of RBI and digital lending regulations.
• Understanding of lending documentation and financing transactions.
• Excellent communication and stakeholder-management skills.

Responsibilities

• Provide regulatory and lending compliance guidance.
• Draft and review loan documents, terms, and agreements.
• Negotiate LSP, fintech, and vendor contracts.
• Support NBFC borrowings and financing transactions.
• Coordinate with external counsel and internal teams.
• Advise on data protection, privacy, and cybersecurity.

Skills

Legal drafting

Contract negotiation

Regulatory compliance

Stakeholder management

Analytical skills

Education

LL.B.

Job description

Assistant Manager Legal

Location: Bengaluru | On-site
Experience: 4–6 Years
Industry: NBFC / Digital Lending
Function: Legal

About the Role

We are looking for an Assistant Manager – Legal to provide legal, regulatory, commercial, and transactional support across our NBFC and digital lending business.

The role will work closely with Business, Credit, Risk, Compliance, Finance, Treasury, Product, Technology, and Operations teams and will have exposure to both lending operations and financing transactions.

Key Responsibilities

Regulatory & Digital Lending

• Advise on RBI regulations applicable to NBFCs and digital lending.
• Support compliance with digital lending requirements, including KFS, disclosures, customer protection, LSP arrangements, grievance redressal, outsourcing, and data governance.
• Review new lending products, customer journeys, pricing, underwriting, and collection processes.
• Track regulatory changes and support implementation across functions.

Lending & Commercial Contracts

• Draft and review loan agreements, KFS, T&Cs, sanction letters, undertakings, and other lending documents.
• Draft and negotiate LSP, fintech, vendor, technology, MSA, NDA, and other commercial agreements.
• Ensure appropriate provisions relating to confidentiality, data protection, audit, indemnity, liability, termination, and regulatory compliance.

Borrowings & Financing

• Provide legal support for NBFC borrowings, fundraising, and financing transactions.
• Review facility agreements, sanction letters, term sheets, security documents, undertakings, and related documentation.
• Support legal due diligence, security creation/perfection, transaction closing, and post-closing compliance.
• Coordinate with external counsel, Finance, and Treasury teams.

Corporate, Data & Disputes

• Support Board/shareholder documentation, corporate actions, and governance matters.
• Advise on data protection, privacy, technology, and cybersecurity requirements.
• Manage legal notices, disputes, recovery matters, regulatory queries, audits, and inspections with external counsel.

Legal Risk & Governance

• Identify and mitigate legal and regulatory risks.
• Develop standard templates, clause libraries, and contracting processes.
• Maintain records of material contracts and financing documentation.
• Provide practical and business-oriented legal advice to stakeholders.

Qualifications & Experience

• LL.B. from a recognised university; Bar Council enrolment preferred.
• 4–6 years of post-qualification experience.
• Experience in an NBFC, bank, fintech, financial institution, or financial services organisation.
• Strong legal drafting, contract negotiation, and analytical skills.
• Working knowledge of RBI/NBFC regulations and digital lending.
• Good understanding of lending documentation and financial services transactions.
• Strong communication and stakeholder-management skills.

Preferred

• Experience in digital lending, LSP/co-lending, fintech arrangements, NBFC borrowings, or debt fundraising.
• Exposure to security creation, legal due diligence, and financing transactions.
• Familiarity with DPDP Act, data protection, privacy, and technology law.