Nikita M

SENIOR LEGAL ASSOCIATE

Dec 2025 - Present • 5 mos

BHARAT PE | Senior Legal Associate – Corporate Legal | January 2025 – April 2025 Technology, Fintech & Regulatory Contracts • Drafted and negotiated 50+ Commercial Contracts including SaaS, MSAs, Vendor Agreements, NDAs, and Payment Aggregator Contracts. • Supported cloud-based services and technology onboarding for payments stack; reviewed outsourcing agreements with data localization and RBI compliance. • Reviewed marketing and product communications for compliance under the DPDP Act, 2023. • Negotiated agreements with Technology Service Providers, Payment Processors, and POS Aggregators in alignment with RBI and IT Act. • Provided legal input on Payment Gateway and Aggregator offerings, ensuring alignment with RBI fintech regulations. Transactions • Drafted and executed transaction documents: Debenture Trust Deeds (DTDs), Debenture Trustee Agreements, Deeds of Hypothecation, and Corporate Guarantees. • Advised internal teams on debt transactions, legal due diligence, and regulatory risk.

Senior Consultant (Freelancer)

Jun 2025 - Present • 11 mos

EDGRO FINANCE PRIVATE LIMITED| PROPELLD Draft, review, and negotiate borrowing and debt-related documentation, including Facility Agreements, Deeds of Hypothecation, and Guarantee agreements. Handle co-lending and securitisation transactions, including drafting and vetting Direct Assignment (DA) and Pass-Through Certificate (PTC) documentation. Structure and negotiate vendor and technology agreements, including MSAs, NDAs, SaaS Agreements, and service contracts. Review and advise on corporate and commercial contracts to ensure alignment with business objectives and regulatory requirements. Support compliance, corporate governance, and risk mitigation, including identifying legal exposures and recommending safeguards. Manage legal escalations, customer complaints, and regulatory notices, ensuring timely and compliant responses. Liaise with lenders, investors, and internal stakeholders to facilitate smooth execution of transactions and deal closures. Provide transactional and regulatory advisory to cross-functional teams including product, finance, and operations.

Assistant Manager

Jul 2023 - Dec 2025 • 2 yrs 5 mos

CATALYST TRUSTEESHIP LIMITED Drafted, vetted, and reviewed over 100+ transaction documents for various deals ensuring accuracy and compliance with legal and regulatory standards including Debenture Trust Deeds, Debenture Trustee Agreements, Deeds of Hypothecation, Corporate Guarantees etc • Assisted in setting up and reviewing Escrow Bank Control (EBC) mechanisms in structured finance transactions, ensuring secure handling of sensitive borrower and lender data, and implementing access control safeguards in line with confidentiality and data protection obligations. • Handled documentation for External Commercial Borrowings (ECBs), ensuring secure transmission of sensitive borrower and lender data to overseas banks and compliance with RBI’s ECB Master Directions, FEMA, and confidentiality obligations. • Liaised with lenders/issuers and legal counsel to expedite documentation, resolve legal issues, and ensure all conditions precedent and conditions subsequent are fulfilled. • Reviewed title searches and borrower records, maintaining data accuracy and confidentiality across high-value secured lending transactions. • Filed sensitive financial and security information with statutory platforms (NeSL, CERSAI, MCA) while ensuring compliance with record-keeping and access control requirements. • Managed documentation for project finance and structured finance transactions across NBFCs, infrastructure, and renewable energy sectors, incorporating contractual safeguards for borrower and investor data.