Job Description

Sub Department (Last Level Set Mapping)
Legal
Job posted on
Jul 15, 2025
Employee Type
On-roll
Experience range (Years)
0 - 0

Job Title: Zonal Legal Manager - Gold Loan

Department

: Legal & Compliance

Location

: [Zone Name - e.g., North / South / West / East India]

Reporting To

: Head - Legal (Gold Loan) / Zonal Business Head

Job Purpose:

To oversee and manage legal matters related to the gold loan business within the assigned zone, including litigation, recovery strategy, regulatory compliance, fraud matters, arbitration, and coordination with external stakeholders including law enforcement agencies, advocates, and internal teams.

Key Responsibilities:

Legal Advisory & Dispute Resolution:

Provide legal support on matters related to gold loan operations, documentation, customer disputes, fraud, and recovery.Draft and vet legal notices, arbitration petitions, reply to consumer complaints, and legal responses.Handle legal escalations and resolve high-risk legal cases in coordination with business teams.

Litigation Management

Manage litigation portfolio within the zone (civil, criminal, arbitration, and consumer matters). Coordinate with empaneled advocates for filing and defending cases before courts and tribunals. Represent the company before authorities when required and ensure timely submission of documents.

Recovery Support & Legal Action

Support recovery and collection teams by initiating legal action including Sec 138, Arbitration, and police complaints. Liaison with police authorities in case of gold fraud, theft, or customer default cases. Issue legal notices and follow up for high-value default cases.

Compliance & Risk Mitigation

Ensure all gold loan operations are legally compliant with RBI and company guidelines. Monitor adherence to internal policies and escalate any potential legal or regulatory risk. Provide support in regulatory audits or internal vigilance investigations.

Team & Stakeholder Coordination

Coordinate with the zonal business head, collection, and operations teams for seamless legal support. Supervise and guide branch-level legal executives and external legal partners. Conduct legal awareness training for zonal staff to ensure proper documentation and process adherence.

Required Skills & Qualifications:

Educational Qualification

: LLB / LLM from a recognized university.

Experience

: Minimum 7-10 years in handling legal matters, preferably in NBFC/Banking/Gold Loan sector.

Knowledge

: Strong understanding of legal procedures under Arbitration Act, NI Act, CPC, IPC, Consumer Law, RBI circulars related to gold loan.

Skills

: + Strong drafting and communication skills
+ Negotiation and analytical skills
+ Ability to work under pressure and multi-task across multiple cases
+ Proficiency in MS Office and legal MIS reporting

Preferred Attributes:

Prior experience in gold loan or secured lending legal matters. Experience in coordinating with police, regulatory bodies, and legal forums. * Good command over local language and familiarity with regional legal forums.