Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Legal

Unit

NBFC - Legal & SAM

Location

Mumbai

Poornata Position Number of the job 

Reports to: Poornata Position Number

Poornata Position Title of the job 

Lead Legal

Reports to: Poornata Position Title

National Head-Non Litigation (Corporate and Retail)

Function

Legal

Reports to: Function 

Department

Legal

Reports to: Department 

Date of writing/ Updation of JD

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines)

To provide legal support to the Gold Loan business by advising on product structuring, branch operations, customer documentation, regulatory requirements, vendor contracts, and legal risk management. The role will ensure that business objectives are achieved within the applicable legal and regulatory framework while safeguarding the interests of the Company.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Business Workforce Number 

Unit Workforce Number 

Function Workforce Number 

Department Workforce Number 

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter 

Gold Loan Business operates in a highly regulated and customer-facing environment, requiring a balance between business growth, regulatory compliance, risk management, and customer protection. The role supports a geographically dispersed branch network and works closely with Business, Operations, Credit, Collections, Compliance, Risk, and external stakeholders to ensure legally compliant and efficient business execution.

Key Challenges

This role requires strong legal and regulatory expertise, commercial judgment, stakeholder management skills, and the ability to provide practical solutions in a fast-paced and evolving business environment.

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Business Advisory & Transaction Support

? Provide day-to-day legal support to the Gold Loan business on operational, product, and strategic matters. 

? Review and advise on gold loan products, processes, and customer journeys. 

? Support business teams on branch operations, loan origination, disbursement, renewals, auction processes, and recovery matters. 

? Identify legal risks and provide practical, business-oriented solutions.

Documentation & Contract Management

? Draft, review, standardize, and negotiate: 

• Gold Loan Agreements
• Pledge Forms
• Security Documents
• Auction Terms & Conditions
• Vendor and Service Agreements
• Branch Lease Agreements
• Empanelment Contracts
• Customer Communication Templates

? Ensure documentation remains legally enforceable and aligned with regulatory requirements.

Regulatory & Compliance Advisory

? Advise business teams on: 

• RBI regulations applicable to NBFCs
• Fair Practices Code
• KYC/AML requirements
• Customer grievance management
• Outsourcing guidelines

• Frequently Asked Questions

  What are the eligibility criteria for the Legal Counsel - Mumbai job at Aditya Birla Group?

  Eligibility typically includes the qualifications and experience outlined in the job description above, with around 4-5 Years years of relevant experience expected for this role.

  What are the primary responsibilities of a Legal Counsel - Mumbai at Aditya Birla Group?

  The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Legal Counsel - Mumbai at Aditya Birla Group.

  Is prior experience required for this position?

  This role requires around 4-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

  What skills are important for this role?

  Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

  How do I apply for the Legal Counsel - Mumbai role at Aditya Birla Group?

  You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.