Chief General Manager - Saraswat Bank
(2023-04)
- Heading, both legal and recovery teams, standardised documents for financing, achieved the all time high recovery of the bank since inception
- Instrumental in the bottom line profit by making significant recovery in written off cases
- Instrumental in maintaining the GNPA of the bank
- Instrumental in recovery of the amount through NCLT process
Deputy Chief General Manager - Saraswat Bank
(2022-02 - 2023-03)
- Heading the legal and recovery teams
- Recovered significantly from the live NPAs and written off cases
- Stanardised legal documents for loans and mortgages
- Appointment of advocates and counsels across regions
General Manager Legal - SVC Co operative Bank
(2021-04 - 2022-01)
- Led the legal and recovery teams of the bank, standardizing the legal and recovery process across regions
- Initiated appropriate legal action under SARFAESI, DRT, NCLT to drive faster resolution and recovery processes
- Served as a member of the Credit Appraisal Committee, NPA Committee, and Steering Committee for Information Technology, contributing to strategic decision-making and risk management
- Member of the Fraud Monitoring Committee, ensuring the implementation of robust fraud prevention measures
Deputy General Manager - SVC Co operative Bank
(2017-07 - 2021-03)
Headed the legal function of the bank, standardised the legal process and practices across regions, ensuring that appropriate advise is given to the business unit for creating mortgages and for completion of the documents, due-diligence of the take over transaction, appointment of advocates and counsel across regions
Vice President Legal - Kotak Mahindra Bank
(2016-04 - 2017-06)
- Initiated appropriate legal action against irregular/defaulter borrowers, including filing cases at relevant forums/tribunals/courts such as winding up petition, DRT petition, and SARFAESI application
- Represented the organization by attending JLF meetings, CDR meetings, and SDR meetings
- Appointed and liaised with advocates and counsels as necessary for legal proceedings
- Handled and attended the matters at High Court, Supreme Court, BIFR, and AIFR on behalf of the organization
Associate Vice President - Kotak Mahindra Bank
(2011-04 - 2016-03)
- Structured transactions in compliance with legal provisions and regulations set by statutory authorities
- Drafted and vetted Assignment Agreements, security documents - Conducted due diligence of transaction and transaction documents
- Participation in assessing the portfolio prices for assignment
- Initiated legal actions to recover outstanding borrower dues, including NPA cases by adopting appropriate legal process
Chief Manager Legal - Kotak Mahindra Prime (KMPL)
(2008-04 - 2011-03)
- Drafting of Deeds for contracts, finance, mortgages of property, hypothecation of assets, confidential agreements, escrow agreement and other various types of agreements for meeting the commercial need of the organization
- Conducting and Completing the Arbitration Process for ensuring the recovery of the outstanding amount through the execution of the Arbitration Award and it's subsequent execution in the form of decree
- Filing various suits at the appropriate courts/forums for enabling the recovery of the outstanding dues from the Borrower, for both secured and unsecured lending
Senior Manager Legal - Kotak Mahindra Prime (KMPL)
(2006-04 - 2008-03)
- Drafting of Deeds for contracts, Wholesale Finance, Retail Lending, mortgages of property, hypothecation of assets, treasury agreements, confidential agreements, escrow agreement and other various types of agreements for meeting the commercial need of the organization
- Due-diligence of Property, liaising with the Advocates and Counsels across the country, ensuring the title clearance and mortgage of the immovable property to be mortgaged, ensuring the Creation of Mortgage and its registration at the appropriate office of the sub-registrar, ensuring that customer complaints/grievances are being appropriately handled and replied
Legal Executive - Nilkamal Plastics
(2005-05 - 2006-03)
- Drafted Lease Deeds, Sale Deeds, and Leave and License Agreements, confidential agreements, joint venture agreements, and trademark licensing agreements to support business transactions
- Conducted due diligence of property to assess and mitigate legal risks, ensuring compliance with regulations and minimizing potential issues
- Issued Notices and effectively responded to customer Notices, contributing to the resolution of legal matters in a timely manner
Legal Advisor - Landmark Associates
(2002-07 - 2005-04)
- Drafted Sale Deeds and Lease Agreements
- Prepared Search Reports/Title Reports for properties
- Liaised with Municipal Authorities, Sub Registrar, and Deputy Registrar of Co-operative Societies, maintaining effective communication and coordination
- Drafted Partnership Agreements, Joint Venture Agreements, and Tripartite Agreements, aligning with legal requirements and business objectives
- Adjudicated Stamp Duty, ensuring compliance with applicable laws and regulations
