Principal Officer - Lending & Compliance - Banking/NBFC/FinTech

Job Description : Principal Officer - NBFC (Fintech) | GIFT City

Location: GIFT City, Gujarat

Experience: 5+ years in Banking/NBFC/Fintech with expertise in Lending & Compliance

Industry: Fintech / NBFC (Lending)

Job Roles and Responsibilities:

Regulatory & Compliance Management:

- Ensure compliance with IFSC (International Financial Services Centre) regulations, RBI, SEBI, and other governing bodies applicable to NBFCs in GIFT City.

- Act as the key liaison with regulatory authorities and represent the firm in regulatory discussions and filings.

- Ensure adherence to Anti-Money Laundering (AML), KYC norms, and data security regulations.

- Manage regulatory reporting and filings, including financial and operational disclosures.

Risk & Governance:

- Develop and implement risk management frameworks for lending operations, ensuring robust credit risk assessment and mitigation strategies.

- Establish strong internal controls to prevent fraud and financial risks.

- Monitor portfolio performance and ensure compliance with credit risk policies.

- Work with internal teams to review loan documentation, underwriting standards, and operational risk assessments.

Lending Operations & Business Strategy:

- Oversee the digital lending operations and ensure alignment with fintech-driven credit evaluation models.

- Work closely with technology teams to integrate regulatory and risk frameworks into digital lending platforms.

- Ensure efficient loan disbursement, monitoring, and collection strategies.

- Collaborate with product and strategy teams to enhance lending offerings while ensuring compliance.

Stakeholder & Team Management:

- Act as a key decision-maker in the leadership team, driving compliance and operational excellence.

- Work with legal and finance teams to ensure the firm's policies align with industry best practices.

- Lead and mentor compliance, risk, and credit teams to maintain a high standard of operations.

Qualifications & Skills Required:

- Education: CA / MBA (Finance) / CFA / LLB preferred.

- Knowledge of Regulations: Strong understanding of RBI, IFSCA, SEBI, AML/KYC norms, and other financial laws applicable to NBFCs.

- Expertise in Lending: Experience in credit underwriting, risk management, and digital lending models.

- Technical & Analytical Skills: Understanding of fintech-based lending operations, credit analytics, and regulatory technology (RegTech).

- Leadership & Communication: Strong decision-making abilities and capability to liaise with regulators, stakeholders, and leadership teams.