Nihal B L
Associate Vice President - Legal @Avanti - Financial Inclusion For 100 Million
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WORK HISTORY
Associate Vice President - Legal @Avanti - Financial Inclusion For 100 Million
Bengaluru, IN
EDUCATION
Poornaprajna, Chickamagular
School
Bangalore Institute Of Legal Studies
Bachelor of Laws, Intellectual Property Law
National Law School of India University
Post Garaduate Diploma in Cyber Law and Cyber Forensics (PGDCLF), Cyber Law & Cyber Forensics
Pssemrs
Pre university, science
OP Jindal University
Master of Laws - LLM, Banking, Corporate, Finance, and Securities Law
ABOUT NIHAL B L
I am a legal professional with 8+ years of experience in the financial services sector, spanning digital lending NBFCs, small finance banks, and large diversified conglomerates. My expertise lies in digital lending laws, financial regulations, litigation management, structured finance, and legal compliance.Currently, I serve as Associate Vice President – Legal & Compliance at Avanti Finance, where I lead key legal and regulatory initiatives. I manage high-value lending documentation (retail and institutional), co-lending and FLDG structures, service contracts, and regulatory reporting to authorities such as the RBI, Sa-Dhan, and MFIN. I also oversee fraud monitoring, litigation strategy, contract standardization, and digital onboarding of Lending Service Providers (LSPs) and DLAs.Previously at Ujjivan Small Finance Bank, I handled legal operations for the South region. My role included SARFAESI proceedings, court appearances, regulatory compliance, and managing panel advocates across multiple districts. I played a crucial role in legal audits, litigation, and customer complaint resolution.At RNS Group, a listed conglomerate, I handled corporate governance, IPR filings, board resolutions, ROC filings (MGT-7, AOC-4, etc.), and appeared in civil, criminal, and company law matters including NCLT cases.I am currently pursuing an LLM in Corporate and Financial Laws from Jindal Global Law School and hold a PG Diploma in Cyber Law & Forensics from NLSIU. My academic foundation is backed by a BA, LLB from Bangalore Institute of Legal Studies. Key StrengthsDigital Lending Compliance (RBI DLG, FLDG, DLA-LSP frameworks)Retail & Institutional Loan Agreements, NCDs, Co-lending DealsLitigation: Sec. 138 NI Act, SARFAESI, NCLT, CID, Commercial CourtsLabour Law & Statutory Filings: PF, PT, Shops Act, FMR-1Legal Operations, Risk Mitigation & Policy StructuringStakeholder Management across Legal, Tech, Risk & Compliance
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