Kartik Rathi

Legal Associate specializing in fintech and NBFC regulatory compliance, with experience in contract drafting, contract negotiation, transaction documentation while ensuring compliance with RBI regulations, Digital Lending Guidelines, and Outsourcing Directions. Experienced in legal risk management, litigation coordination, regulatory research, and policy drafting, with a strong focus on supporting business teams through practical legal solutions in fast-paced financial services environments.

Legal Associate at Kissht (OnEMI Technology Solutions Limited) (2025-08 – Present)

• Reviewed, vetted, and assisted in negotiating a wide range of agreements including term loan documents, service agreements, partner agreements, tripartite agreements, Addendum, legal notices and NDAs ensuring compliance, enforceability, and alignment with business objectives.
• Drafted and assisted in responding to legal notices, supporting timely dispute resolution and ensuring appropriate legal recourse in line with company policy.
• Managed litigation tracker for 65,000+ defaulted borrower cases, including issuance of Loan Recall Notices, Lok Adalat notices, and allocation of Loan Against Property (LAP) cases for arbitration, ensuring timely legal resolution
• Monitored and ensured compliance with RBI regulations and other applicable laws — including Digital Lending Guidelines, Outsourcing Directions, DPDPA and processes to address regulatory changes as and when applicable
• Updated customer agreements, website terms and conditions, and company policies to align with evolving regulatory and business requirements.
• Assisted senior counsel in legal review of treasury transactions cumulatively exceeding ₹5,000 Crs (Term Loans, NCDs, PTCs, DAs, CPs) — annotating drafts, flagging risks, and attending negotiation rounds

Legal Intern at Kissht (OnEMI Technology Solutions Limited) (2025-05 – 2025-08)

• Conducted legal research and analysis on regulatory frameworks, including RBI Regulations for Middle Layer NBFCs, Digital Lending Guidelines 2025 etc. to ensure compliance and inform legal strategies.
• Managed execution of legal agreements via SignDesk while providing cross-functional legal support to enhance collaboration across internal departments.
• Drafted responses to legal notices and maintained litigation tracker for defaulted borrowers, ensuring accurate tracking of case status, hearing schedules, and arbitration processes.
• Collaborated with team to review legal aspects of treasury transactions, including term loans, NCDs, PTCs, DA, and CP transactions.
• Assisted in drafting and execution of NDAs, addendums, legal notices, authority letters, collection agreements, Business agreements and leave and license agreements.
• Contributed to IPO-related compliance processes and RBI regulatory compliance for the NBFC (Si Creva).

Long Term Intern at Dhaval Vussonji & Associates (2024-09 – 2025-03)

• Performed Due Diligence on land parcels: Verified the status of mortgaged land parcels and reviewed release deeds to ensure clear title.
• Inspected original title documents and prepared detailed Inspection reports.
• Coordinated with search clerks to conduct CERSAI, SRO, ROC, and litigation searches, utilizing platforms like IGR Maharashtra and Maha-Bhumi Bhulekh for document vetting.
• Prepared summary notes on Maharashtra government policies and notifications and conducted searches on Real Estate cases governing Development Control Regulation Act, MOFA Act, MRTP Act.
• Drafted and published public notices in daily newspapers while organizing timelines, events, and issue lists for various client matters to enhance communication and compliance.
• Prepared title flow of opinion, preliminary requisition, requisition list, working draft title, list of documents, covering letter, and declaration to facilitate efficient processing of land transactions.

Master of Laws in Business Law – Mithibhai College (2025-2027)

BBA LLB (Hons) in Business Law – NMIMS (2020 – 2025)

Higher Senior Secondary – Delhi Public (2020)