Sankalp Jaiswal

Advocate
______________________________________________________________________________
sankalpjaiswal.adv@gmail.com
+91-7566660065

Head Legal Counsel

Head Internal Legal Counsel with +16 yrs. PQE in mortgage, non-litigation, Debt Recovery and
litigation roles with Banks, HFCs, and NBFCs.

Having enriched experience in title due diligence, loan documentation, contract drafting,
negotiation and management of commercial contracts, litigation, leadership & team mentoring. I
have practiced at the High Court of MP and gained expertise in drafting, pleading, contesting
litigation for debt recovery, and briefing senior counsel in critical and high value matters.

I have worked with Banks, HFCs, and Financial Institutions as an Internal Legal Counsel and
have experience in mortgage due diligence, secured/ unsecured lending and its recoveries, team
handling, PDD management, vendor networking, procedure & drafts, contract reviewing and
negotiation, litigation, consumer assistance/ grievance, liaison with authorities and compliance.

Work Experience

Poonawalla Housing Finance Limited (PHFL) June 2022 to Present

National Business Legal Manager

 Analysis of legal policy for various property types under state local laws
 Portfolio acquisition legal analysis
 Developing process/ Learning &Training program for execution of loan documentation
 Loan documentation and agreement drafting vetting for affordable housing
 Exploring legal compliance on special properties to enhance business growth
 Business proposal evaluation and negotiation with different organizations
 NHB Audit and Internal Audit compliance
 Maintaining Legal TAT, Vendor quality check, and portfolio analysis related to compliance
 Team mentoring and conflict management
 Briefing senior counsels in litigation matters

PNB Housing Finance Limited (PNBHFL) December 2017 to May 2022

Zonal Internal Legal Counsel - West

Role and responsibility

 Title due diligence and verification of high-value transactions
 Developing process notes to reduce risk and errors in the execution of loan documents for the
mortgage-related loan facility
  Loan documentation and agreement drafting, negotiation, and finalization for wholesale and retail
lending
 Building strategy and filing of complaints with appropriate authorities in matters related to fraud,
breach of contract, and employee-related issues.
 Defending the organization's interest in litigation filed against the company
 Assisting in debt recovery matters in HNI cases and critical matters
 Briefing senior counsels in litigation matters
 Attending Legal matters before various authorities and managing critical cases
 Contract drafting, negotiation, and management of contracts with various vendors
 Managing premises lease agreements and vendor service agreements
 Corporate finance loan documentation, agreement finalization, and negotiation in high-value
cases for corporate lending
 Coordinating with lawyers for the finalization of loan agreements and documents
 Handling and closure of audit queries and compliance
 Training on legal documentation on different financial products offered
 Liaison with legal authorities/ advocates
 Team handling and supervision

Yes Bank Ltd. February 2017 to November 2017

Assistant Vice President – Risk Management (West & North)

Job Responsibilities:
 Affordable Housing - builder/ corporate project legal vetting and due diligence
 Preparation of contracts and negotiations with vendors
 Vetting of agreements and loan documents for financial products offered by the bank
 Due diligence of leave and license agreements
 Managing master service agreements
 Resolution of queries for banking-related issues and defending cases against the bank
 Filing of litigations for the execution of securities and debt recoveries
 Addressing consumer grievances on legal related issues
 Approving/ verifying title documents for mortgage and loan purposes

PNB Housing Finance Limited (PNBHFL) October 2013 to February

2017

Zonal Legal Manager – West

Job responsibilities:
 Legal procedures and drafts
 Due diligence of title and legal documentation
 Business transactions documents/ contracts drafting & review
 Approving/ verifying title documents for mortgage and loan purposes
  Corporate finance loan documentation, agreement finalization
 Builder Project Approval/ Advance Processing Funding & Builder Funding
 Research & drafting legal procedures.
 Drafting of agreement/ loan document/ mortgage deed
 Legal audit and compliance
 Team management and retention
 Defending litigation on behalf of the organization (consumer/labor/ criminal etc.)

 Brief Company’s Counsel on various cases & planning the strategies/ procedures to be followed
 Liaison with legal authorities/ advocates
 Vendor Management, TAT/ Data Management
Key achievements:
- Initially joined the organization as a regional legal manager and was later promoted to zonal
legal manager
- Developed standard procedure for documentation on various products offered by the
organization
- Participated in the development of an online portal for loan documentation and imparting
training to staff from various verticals on products offered

DHFL - Dewan Housing Finance Limited September 2012 to October

2013

Regional Legal Manager

Responsibilities:
 Due diligence of title and documents in mortgage cases for DHFL, Central Bank of India
Syndication, First Blue & Yes Bank
 Construction/ project finance document execution
 Managing/ Initiating litigation (DRT, complaints u/s138, civil suits, Lok Adalat, etc)

 Research & drafting and vetting of legal documentation
 Keeping a check on compliance of the branches and maintenance of records.
 Managing litigation for the organization (consumer/labor/ criminal etc.)

 Liaison with legal authorities/ advocates
 Vendor Management, cost control, and TAT Management
Key achievements:
- Initially joined the organization as Legal manager and was later promoted to Regional Legal
Manager within one year after joining the organization

- Established vendor network for the region

Fullerton India Credit Co. Limited (FICCL) September 2010 to September 2012
State Head – Legal and compliance

Responsibilities:

 Due diligence of mortgage cases

 Filing and managing debt recovery litigation base, complaints u/s138, Arbitration, civil suits,
criminal complaints u/s 156(3) CRPC, Lok Adalat, conciliation, etc. for the secured and unsecured
loan offered by the organization
 Research, drafting and vetting of legal replies and vendor agreements
 Correspondence with RBI / Legal Authorities/ advocates etc.
 Coordination with Fraud Containment Dept. for deceptive activities done by employees/
customers/ vendors etc.
 Defending in litigation filed against the organization (consumer/ labor/ criminal/ Ombudsman etc.
 Liaison with legal authorities/ advocates/ arbitrators
Key achievements:
- Restructured litigation strategy for effective debt recoveries and reduction in cost
- Organized litigation requirements on secured and unsecured products offered

ICICI Bank Limited March 2008 to September 2010

Manager – Legal

Filing and managing debt recovery litigation base, complaints u/s138, Arbitration, civil suits,
criminal complaints u/s 156(3) CrPC, Lok Adalat, conciliation, etc. for the secured and
unsecured loan
Settlement/disposal of cases filed against the organization and coordination with advocates and
law authorities.
Handling EMCT locations for Madhya Pradesh and Chhattisgarh
Possession and Disposal through Securitization
Ensured compliance with RBI and OMBUDSMAN and other Statutory Bodies
Efficiently handled all Products like Home, Agricultural, Automobile loans, Two wheeler, CV,
CE, credit cards, PL, etc.
Pivotal in implementing cost-effective legal tools like Lok Adalat, Conciliation and RRC

Efficiently implemented action under the Securitization and Reconstruction of Financial Asset
Act, of 2002

High Court of M.P. & C.G. and District court from June 2006 to March 2008

Advocate

Practiced as an advocate at the High Court in motor insurance claim matters, writ, criminal, etc.
appeared on behalf of New India Assurance Co. ltd., National Insurance Co. ltd., United India
Insurance Co. Ltd. and Oriental Insurance Co. Ltd. Contested litigation for arbitration matters,
represented finance Co’s in DRT and complaints filed u/s 138 of NI Act.
Education

New Law College, Bharati Vidyapeeth, University of Pune. Maharashtra 2006

L.L.B

GS College, Rani Durgawati University, [Jabalpur, Madhya Pradesh] 2002

B.Com

Sincere regards,

Sankalp Jaiswal

Internal Legal Counsel

+91-7566660065
Sankalpjaiswal.adv@gmail.com