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
