Arvog - Head - Compliance

• Description:

• Arvog (Finkurve Financial Services Limited) is dedicated to delivering accessible and transparent financial solutions tailored to meet individual and business needs.
• Specializing in gold loans and personal loans, Arvog empowers customers to achieve their financial goals with speed, simplicity, and trust.
• By leveraging cutting-edge technology, the company ensures a seamless and efficient borrowing experience.
• Arvog prides itself on its customer-first approach, providing personalized financial products and prompt support to foster lasting relationships.
• Learn more at www.arvog.com.

Key Responsibilities:

Regulatory & Statutory Compliance:

• Ensure full compliance with all applicable laws, regulations, and guidelines governing NBFCs, including RBI directions, circulars, and master guidelines.
• Stay continuously updated on regulatory developments and proactively assess their impact on the organization.
• Act as the primary point of contact with regulators, auditors, and statutory authorities.
• SOP Design & Scalable Compliance Framework
• Design, implement, and continuously enhance group-wide SOPs for:
• RBI compliance
• Secretarial compliance
• Regulatory reporting
• Internal controls and governance
• Ensure SOPs are standardized, scalable, and aligned with business growth.
• Periodically review SOPs to reflect regulatory or operational changes.
• Policy Drafting & Governance
• Draft, review, and update internal policies to ensure alignment with:
• Regulatory requirements
• Risk appetite
• Business objectives
• Work closely with Product, Risk, Operations, and Legal teams to ensure effective policy implementation and communication.
• Present policy updates and compliance status to Senior Management and the Board.
• Automation & Digital Enablement

Leverage digital tools to:

• Automate regulatory filings and returns
• Maintain statutory registers and records
• Reduce manual dependency and compliance risk
• Institutionalize compliance dashboards, trackers, and MIS for real-time monitoring.
• Implement internal audit checklists and compliance scorecards.
• Complaint Monitoring & Ombudsman Handling
• Oversee complaints received through the RBI Ombudsman portal and other regulatory channels.
• Coordinate investigation, response, and timely resolution of complaints.
• Analyse complaint trends to identify systemic issues and recommend process improvements.
• Ensure customer grievance handling aligns with regulatory expectations and service standards.
• Document & Record Management

Establish and maintain a robust document management framework to ensure:

• Accurate record-keeping

• Easy retrieval for audits and inspections.
• Compliance with document retention policies.
• Facilitate internal, statutory, and regulatory audits with complete documentation readiness.
• Internal Audit, Monitoring & Risk Control
• Institutionalize internal compliance reviews and periodic audits.
• Identify gaps, non-compliances, and root causes; drive corrective and preventive actions.
• Track closure of audit observations and regulatory action points.
• Act as a key contributor to enterprise risk management from a compliance lens.
• Strengthening Shareholder & Regulator Confidence
• Ensure transparent, consistent, and timely compliance reporting.
• Build credibility with regulators, investors, and board members through strong governance practices.
• Support board and committee reporting with structured compliance insights and early warning indicators.

Key Skills & Competencies:

• Deep knowledge of NBFC regulations, RBI guidelines, and secretarial compliance.
• Strong understanding of governance, risk, and control frameworks.
• Ability to build process-driven, scalable compliance systems.
• Strong stakeholder management and board-level communication Analytical mindset with focus on automation and continuous improvement.
• High integrity, ownership, and attention to detail.

Qualifications & Experience:

• Mandatory: Qualified Company Secretary / Law Graduate / CA (preferred).
• Experience: 8 - 15+ years in Compliance, Secretarial, or Regulatory roles within NBFCs / BFSI.
• Prior experience dealing with RBI inspections, audits, and regulatory filings is essential

Reporting Structure:

• Reports to: Managing Director / CEO / Board / Audit Committee.
• Works closely with: Risk, Legal, Operations, Finance, Product, and Technology teams.