We are seeking an experienced compliance leader to drive the Company's compliance and regulatory governance framework in line with RBI regulations applicable to Middle Layer NBFCs and fintech-led lending businesses. The role will partner closely with senior management and the Board to ensure strong regulatory oversight, governance, risk management, and effective regulatory engagement.
What You'll Do:
Regulatory Strategy & Governance
- Lead the enterprise-wide compliance framework for the Company.
- Ensure compliance with regulations issued by:
- Reserve Bank of India
- FIU-IND
- Ministry of Corporate Affairs
- Other applicable regulatory authorities
- Provide strategic guidance to leadership on regulatory developments and emerging compliance risks.
- Drive governance and compliance alignment with RBI regulations applicable to Middle Layer NBFCs, digital lending, outsourcing, fair practices, customer protection, and IT/data governance.
- Present compliance updates, risk assessments, and regulatory matters to the Board and Board Committees.
Regulatory Engagement & Inspection Management
- Act as a key point of contact for RBI inspections and regulatory interactions.
- Lead regulatory submissions, supervisory responses, thematic reviews, and action closure tracking.
- Manage escalations relating to regulatory observations and ensure timely remediation.
- Build and maintain effective relationships with regulators, auditors, and external stakeholders.
Compliance Risk Management
- Establish and strengthen compliance risk assessment frameworks across the organization.
- Oversee compliance monitoring, testing, thematic reviews, and surveillance activities.
- Ensure effective tracking and closure of compliance breaches and audit observations.
- Drive automation and technology-led compliance monitoring initiatives.
AML / KYC & Financial Crime Oversight
- Provide oversight on AML/KYC compliance, PMLA obligations, sanctions screening, fraud risk controls, and customer due diligence frameworks.
- Ensure robustness of transaction monitoring and suspicious transaction reporting processes.
- Oversee regulatory reporting and compliance certifications.
Policy, Product & Business Advisory
- Review and approve compliance frameworks for new products, fintech partnerships, sourcing models, digital journeys, and outsourcing arrangements.
- Ensure compliance-by-design principles are embedded across business and technology initiatives.
- Review and update policies, governance frameworks, SOPs, and internal controls.
Leadership & Culture
- Lead and mentor the Compliance function.
- Build a strong compliance culture across the organization through awareness programs and governance initiatives.
- Collaborate closely with Risk, Legal, Internal Audit, Technology, Operations, Product, Collections, and Business teams.
- Support strategic initiatives, fundraising, IPO readiness, and enterprise governance matters from a compliance standpoint.
Desired Candidate Profile
Educational Qualification
- CA / CS / MBA / LLB or equivalent professional qualification.
- Additional certifications in Compliance, AML, Risk Management, or Governance preferred.
What We're Looking For
Experience
- 8–10+ years of experience in:
- Compliance
- Regulatory Affairs
- Risk Governance
- Financial Crime Compliance
Candidates with experience in the following sectors will be preferred:
- NBFCs
- Banks
- Fintechs
- Housing Finance Companies
Strong understanding of:
- RBI regulations applicable to NBFC – Middle Layer entities
- Digital lending ecosystem and regulatory landscape
- AML/KYC and PMLA compliance requirements
- Regulatory inspections and supervisory frameworks
- Governance practices and Board-level reporting
- Outsourcing guidelines and fintech partnership frameworks
About Kissht:
Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses.
Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.
