Legal Associate (Non-Litigation)

JOB DESCRIPTION

Position 

Position Title: Corporate Legal Associate-Manager (Non-Litigation)

Location: Mumbai. Travel, as circumstances warrant 

Reporting Manager: COO, Co-Founder(s)

We hustle Monday - Friday (1st & 3rd Saturday too) for 9 hrs a day

Industry: Fintech, Lending Platform

About the Organisation

We are a Series B funded fin-tech start-up in the hyper-growth stage. With 500+ employees pan India, we are one of the fastest-growing start-ups in India. Our senior management is Harvard, Wharton, Parsons, IIT, and IIM alumni. The lending business will be a new vertical, with different branding and the leadership reporting to the Group CEO.

Our vision
In today’s healthcare financing landscape, lending has taken a backseat. This is due to the high cost of acquiring a healthcare customer and is plagued with high NPAs. As a part of our expansion plans, we aspire to become a market leader in healthcare lending. We will be working on FLDG / DSA models. We want to use alternate data points from health records and financial information to make underwriting better. We want to work on a subvention model by providing 0% EMI loans to patients who are seeking treatment with 1000+ partner chain hospitals across India. 

Summary of the role

The person will work closely with our executive team & is responsible for providing various legal assistance and services to the organization under the supervision of the corporate legal counsel. The position coordinates and completes time-sensitive and confidential work of both an administrative and project-based nature to forward the business initiatives of the company.

Roles & Responsibilities

• Act as a strategic partner & trusted advisor with teams driving the growth agenda, including Marketing, Credit, Finance, Operations, and the Customer Experience.
  

• Legal & Operational Executive (Senior Officer)    
  

• Drafting & Vetting of agreements (NDA, SLA, Leave & License, Settlement Agreement etc)    
  

• Drafting & Vetting of commercial contracts (ECB, ISDA, CSA)
  

• Documentation & Filing of applications (MCX, IRDA, NSE Commodities ,BSE Commodities    
  

etc)    

• Drafting of the Risk Policy, Terms & Conditions and Privacy Policy.    
  

• Drafting of Investor Grievance response to NSE, BSE & CDSL.    
  

• Communicating and Coordinating with NSE, BSE & CDSL.    
  

• Attending IGRP meetings and Arbitrations.    
  

• Preparation of legal notices and providing response to the legal notices.    
  

• In depth knowledge in Companies Act 2013, Information Technology Act 2000, Indian Contract Act 1872, Indian Evidence Act 1872, Indian Penal Code 1860, Code of Criminal Procedure 1973, Code of Civil Procedure 1908, Limitation Act 1963, Arbitration & Conciliation Act 1996, etc.    
  

• Research, track and report on legal developments related to credit cards and personal loans; collaborate with the business lines to ensure compliance.
  

• Advising on contract status, Advise on the risks and opportunities related to growth initiatives  and the legal liabilities associated with different deals.
  

• Review and comment on business and regulatory team policies and procedures, company training materials, and customer-facing collateral.
  

• Reviewing advertising and marketing materials to ensure that they are in compliance with legal requirements.
  

• Reviewing, drafting, negotiating of Master Service Agreements, RFPs, NDAs ; edit memos and negotiating third-party service provider agreements. 
  

• Always be prepared to pivot for the unexpected development, the fast-moving idea, and the creative solution.
  

• Researching and anticipating unique legal issues that could impact the company.
  

• Prevent risk of litigation and review litigation files.
  

• Negotiations and managing cost with law firm & experts
  

• Conduct Due Diligence, IP related activities, Filing complaints, Non-Profit & for profit compliance and provide training to the company on legal topics.
  

• Reply to legal notices in an appropriate and timely manner.
  

• Reviewing data privacy laws & seeing to it that the company follows GDPR, CCPA and Indian Data Privacy Laws.
  

• Ensure compliance with organization policies by all team members.
  

Professional Experiences

• Minimum 3 years experience in working with private banks, law firms, NBFC as a legal officer/associate/executive 
  

• Experience with B2C personal/consumer lending, particularly unsecured personal loans.
  

• Have an excellent grasp of law, pertaining to structured finance, retail finance, capital markets, equity raise, IBC (working knowledge will be an added benefit) etc.
  

• Drafting of various processes and standardization of templates
  

• Coordinating with external counsels for advisory and related matters
  

• Assist in due diligence processes
  

• Sound knowledge in drafting, vetting of deeds, collection handling, receivables, attachment of property, legal processes etc.
  

• Be able to understand business requirements and how this would translate to requirements from the legal team
  

• Have impeccable integrity, ability to maintain strict confidentiality
  

• Be highly solution oriented and business focused, always play an enabling role for organization.
  

• Excellent communicator in written and verbal form.
  

Qualifications

• Any Law Degree; LLB + LLM (preferred) or equivalent practical experience. (mandatory)
  

Functional & Behavioural Competencies

• Multiple stakeholder management 
  

• Growth mind-set
  

• Entrepreneurial mind-set
  

• Ability to deliver in high pace environment
  

• Excellent communication 
  

• Dynamic personality 
  

What do we offer?

• Attractive salary & performance-linked bonuses 
  

• Health Insurance benefits
  

• An opportunity to be in a leadership position of a high-growth start-up
  

• Fun, casual & flexible work environment
  

• Entrepreneurial, forward-looking, growth-driven & open work culture