Chief Compliance Officer

Fintech Cloud Pvt. Ltd.; Delhi; On-site; INR 3,500,000 - 7,500,000; Full time

Job summary

Fintech Cloud Pvt. Ltd. is seeking a hands-on Head of Compliance – Digital Lending in Delhi to lead RBI-oriented compliance across products, customer journeys, and partnerships.

You will implement RBI Digital Lending Directions, ensure KYC/AML, DPDP Act compliance, and oversee regulatory reporting, audits, and governance with NBFC partners. Immediate joiner preferred and reporting to Group CEO.

Qualifications

• Law, Finance, or related degree required with RBI compliance knowledge.
• Deep understanding of KYC/AML, DPDP Act, and NBFC/LSP guidelines.
• Experience implementing regulatory frameworks across products and partnerships.

Responsibilities

• Implement RBI Digital Lending Directions across the loan lifecycle.
• Ensure NBFCs meet obligations under Scale Based Regulation and KYC/AML.
• Track RBI circulars, assess impact, and drive timely rollout.
• Oversee consent-based data collection, storage in India, and DPDP Act.
• Maintain disclosures, DLG/NBFC reporting, and risk trackers.
• Coordinate audits, regulatory correspondence, and senior management reporting.
• Lead compliance training across teams.

Skills

Regulatory compliance leadership

RBI Digital Lending Directions

KYC/AML regulation

NBFC & LSP governance

Stakeholder management

Education

Law/Finance/Commerce degree

CS, LLB preferred

Job description

About the Company

Fintech Cloud Pvt. Ltd. | Short-Term Personal Loans | LSP to Partner NBFCs

About the Role

Head of Compliance – Digital Lending

Fintech Cloud operates as a Lending Service Provider (LSP) for multiple Base Layer NBFCs, offering short-term personal loans across several brands and digital platforms. We are looking for a hands-on compliance leader who will implement RBI requirements across our products, customer journeys, and partnerships, not just document them.

• Industry: Fintech | Digital Lending | Short-Term Personal Loans
• Experience: 10+ Years
• Location: Delhi NCR
• Employment Type: Full-Time
• Reporting To: Group CEO
• Immediate Joiner preferred

Responsibilities:

• Key Responsibilities
• 1. Regulatory Compliance (LSP and NBFC)
• Implement the RBI Digital Lending Directions across the loan lifecycle: onboarding, KYC, sanction, disbursement, repayment, collections, and closure.
• Ensure NBFCs meet obligations under Scale Based Regulation, including Fair Practices Code, KYC/AML, outsourcing, and grievance redressal.
• Track RBI circulars and amendments, assess their impact, and drive timely rollout.
• 2. Digital Lending Controls
• DLG Guidelines implementation and GAP analysis.
• Oversee consent-based data collection, data storage in India, and compliance with the DPDP Act.
• Maintain DLA and LSP disclosures, DLG arrangements, and RBI reporting requirements.
• 3. NBFC Partnership Governance
• Drive compliance responsibilities between the LSP and each partner NBFC
• Manage partner due diligence, audits, certifications, and closure of observations.
• 4. Credit Bureau (CIC) Reporting
• Ensure complete, accurate, and timely CIC reporting at the prescribed frequency.
• Resolve rejections, reconciliation gaps, and borrower disputes within regulatory timelines.
• 5. Brand, Product, and Marketing Review
• Review apps, websites, ads, and customer communications before launch for accurate rates, fees, and product claims.
• Keep brand-wise and product-wise compliance trackers up to date.
• 6. Collections and Customer Protection
• Oversee recovery practices and third-party collection agencies against RBI conduct norms.
• Monitor complaints, the Grievance Redressal Officer function, and RBI Ombudsman escalations.
• 7. Audits, Litigation, and Reporting
• Coordinate captive partner‑NBFC and regulatory audits and inspections, and track findings
• Manage regulatory correspondence with external counsel.
• Maintain the compliance calendar, obligation register, and report key risks to senior management.
• Lead compliance training across teams.

Qualifications

• Degree in Law, Finance, Commerce, or a related field. CS, LLB, is preferred.
• 15 years in compliance or regulatory roles, including experience in an NBFC, fintech, or digital lending platform.
• Strong working knowledge of the RBI Digital Lending Directions, Scale Based Regulation for NBFCs, KYC Master Directions, CICRA, and the DPDP Act.
• Hands-on experience with CIC reporting, NBFC–LSP partnerships, audits, and litigation.
• Proven ability to work across business, product, technology, operations, and collections teams.
• Preferred: Experience with multi‑brand or multi‑lender setups and fixing compliance gaps