MANJUNATH KRISHNAN

Contact:9731001051
Email:[email protected]

Career Overview

• About 10+ years of rich experience in handling Legal Affairs pertaining to Corporate
Laws, Property Laws Contract laws, Banking Laws, Labour Laws -compliance & disputes
and Civil Litigation.
• Expert in drafting General Contracts and Agreements, Corporate and Property Law
documentation and Litigation documentation pertaining to Writ Jurisdiction.
• An effective communicator with exceptional relationship management skills & adept at
maintaining cordial business relations with legal counsels and other external agencies.

Functional Skills

• Planning the strategies and procedures to be followed in various cases.

• Working on Constitutional Law, Commercial Laws, Property Law, Corporate law and Local
Laws.
• Reviewing General Contracts and Agreements including employment agreements, service
agreements, non-disclosure agreements etc.
• Handling scrutiny of title, drafting Title Opinions, Sale Deeds, Lease Deeds, Memorandum
of Understanding, General Power of Attorneys, Joint Development Agreements, etc.
• Working on corporate due diligence reports and drafting corporate agreements like joint
venture agreements, investment agreement, and shareholders agreement.
• Drafting writ petitions, writ appeals, statement of objections and other related
applications.

Core Competencies

• Handling Sec-138 cases under Negotiable Instruments Act

• Handling Sec-14 cases under SARFAESI Act
• Handling DRT matters, Execution Petitions on Arbitration award, Garnishee
Proceedings and Lok-Adalat
• Handling Civil Litigation and other connected Legal matters
• Title due diligence
• Drafting and Conveyancing

Strengths

• Excellent office management and client relation skills

• Detail-oriented with excellent research and reporting skills
• Exercise independent judgment and decision-making abilities
• Organization skills
• Communication skill Investigative skills
• Negotiating skills
• Ability to work under pressure
• High level professional ethics and confidentiality

Professional Experience

DCB BANK LTD, Bangalore

Position: Legal Manager (Karnataka, AP & Telangana)

Period: Nov 2022 to till date

Roles & Responsibilities:

Title Verification
• In-charge of legal due diligence for all the verticals (Retail, Micro, AIB, SME, Emerging
& School finance sectors) across Karnataka, AP & Telangana
• Review the Legal Reports cleared by external vendors across all the products and
certify the LSR’s in the file/docket
• Monitoring the compliance of all the Legal Conditions as stated in the LSR.
• Ensuring all the title documents are mentioned in the “List of documents to be
collected” as OTC and PDD.
• Ensure the Vetting Reports are obtained for all the Original Title Documents.
• Over view and ensure all the legal reports aligning with internal policy and products
specific.

Collateral Management
• Monitoring the receipt of all the Original and Copy documents as stated in the LSR.
• Tracking and confirming the receipt of all the Legal OTC and PDD documents.
• Ensuring the completion of Registry process in SRO/Registry and collection of
Registered Documents promptly for Purchase Cases.
• Tracking and collection of all the Title Documents and others in Balance Transfer cases.
• Ensure to handover the custody all the OTD documents to CROPS team within TAT.
• Confirming that all the Title Documents are safely deposited with the CROPS team.

Vendor Management
• Appointing Legal Vendors for across the Region.
• Ensure that the LSRs are submitted within TAT without compromising the quality.
• Verifying and certifying all the Legal Vendor Bills for the Region and ensure timely
clearance.
• Periodical audit on Random basis on LSRs.

Training Management
• Conducting legal training to Sales & Credit teams on regular intervals
• Conducting legal training to new folks
• Giving legal training on legal policy or change in policy and procedures
• Updation of amendments in existing law, new enactment, Judgements, circulars,
notifications of Statutory Authorities impacting the business to the management.

First American India (FAI), Bangalore

Position :- Associate Legal Lead

Period :- Nov 2021 to Nov 2022

Roles & Responsibilities:

PropRep

• PropRep is the product developed by FAI India business under which the Digital Legal
Scrutiny Reports are being prepared through Artificial Intelligence (AI) and machine
learning process, data integrated with Qcorrect software
• Collating all types of legal documents for data extraction for AI and Machine Learning
• Highlight key data and fields to be captured for data Ingestion across all the legal
documents for preparation of D-LSR
• Closely working with software development team in coding the data fields and rule
engine specifications.
• Ensure to preform UAT (User Acceptance Testing) on product developments and track
the bugs/issues around system functionality and give appropriate feedback and
observations to development team for fixation of the issues
• Coordinating with all the stakeholders and share feedback on product development and
give appropriate suggestions and solutions

Ops Management
• Post launch of the product (PropRep) solely responsible for running pilot project with
minimal lenders by handling entire operations and headed the 16 members team which
includes 11+1 data entry folks and 4 members of legal associates.
• Tracking the inflow of the cases and ensure all the D-LSR's prepared or generated using
AI & ML with minimal manual interventions gets vetted and signed by external lawyer and
final reports submitted to lenders within TAT
• Ensure all the queries raised requesting additional documents by legal associates reaches
the lenders within TAT for incomplete packages.
• Sharing detailed MIS on UAT & Pilot batch D-LSR to top management on weekly basis.
• Connecting with various financial institutions (Banks/NBFC/HFC-lenders) and leading
vendors to such lenders for feedback, clarification and suggestions for issuing the
automated reports.
• Ensure compliance with rules and regulations and keep abreast with latest legal
updates, especially those affecting the business and industry.

Training & Resource Management

• Recruit and on boarding of Legal Associates.
• Training Legal Associates and Data Entry team on Company’s Internal Policy/Guidance Notes
and to ensure complete compliance of the Internal Policy/Guidance Notes implemented
effectively by them.
• Giving legal training to In-house legal team (Legal Associates) on legal policy or change
in policy and procedures and mentored all the legal associates to act/deal with daily
activities with self motivation and nurtured to make independent case decisioning on
each file/case initiated for D-LSR
• Updation of amendments in existing law, new enactment, Judgements, circulars,
notifications of Statutory Authorities impacting the business to the management.

IIFL HFC, Bangalore

Position :- Area Legal Manager, Karnataka Region

Period :- Dec 2019 to Nov 2021

Roles & Responsibilities:

 Title Verification
• Review the Legal Report and Approve the LSR in system
• Monitoring the compliance of all the Legal Conditions as stated in the LSR.
• Ensuring all the title documents are mentioned in the “List of documents to be
collected” as OTC and PDD in LOS correctly.
• Ensure the Vetting Reports are obtained for all the Original Title Documents.

Collateral Management
• Monitoring the receipt of all the Original and Copy documents as stated in the LSR.
• Tracking and confirming the receipt of all the Legal OTC and PDD documents.
• Ensuring the completion of Registry process in SRO/Registry and collection of
Registered Documents promptly for Purchase Cases.
• Tracking and collection of all the Title Documents and others in Balance Transfer cases.
• Forwarding all the OTD documents to Corporate Office within TAT.
• Confirming that all the Title Documents are safely deposited with the Corporate Office.

Delinquency Control
• Reviewing the Non-Performing Accounts (NPA) in the Region periodically.
• Ensure Demand Notices, Legal Notices are sent to all the delinquent customers as per
the Compliance Calendar.
• Ensure appropriate Legal Actions are initiated against the delinquent accounts/NPAs

Vendor Management
• Selection, Review, Verify and Appoint Legal Vendors for the Region.
• Train and update the existing/revised internal legal policy to Legal Vendors periodically
as per the compliance calendar.
• Ensure that the LSRs are submitted within TAT without compromising the quality.
• Verifying and certifying all the Legal Vendor Bill for the Region and ensure timely
clearance.
• Periodical audit on Random basis on LSRs.

Litigation Management
• Filing complaints with Police, statutory authorities against the fraudulent customers and
ensure prompt measures are taken against them.
• Based on the facts of the each and every case, suggesting best possible legal solution for
the recovery of NPAs.
• Represent company and brief counsels/advocates in legal proceedings (administrative
boards, court trials etc.)
• Attend to litigation matters, which would include initiation of legal proceedings before
various court and tribunals and review progress of outstanding litigation and liaise and
coordinate with external lawyers and law firms.
• Reply to Legal Notices either by self or through Legal Vendors/Advocates promptly and
accurately.
• Timely submission of MIS on Litigation to the Management.

Training Management
• Conducting legal training to Sales Staffs on regular intervals
• Conducting legal training to new folks
• Giving legal training to In-house legal team on legal policy or change in policy and
procedures
• Updation of amendments in existing law, new enactment, Judgements, circulars,
notifications of Statutory Authorities impacting the business to the management.

Hinduja Housing Finance Ltd, Bangalore

Position: - Cluster Legal Manager

Period :- July 2018 to Dec 2019

Roles & Responsibilities:

Title Verification
• Review the Legal Report and Approve the LSR in system
• Monitoring the compliance of all the Legal Conditions as stated in the LSR.
• Ensuring all the title documents are mentioned in the “List of documents to be
collected” as OTC and PDD in ERP correctly.
• Ensure the Vetting Reports are obtained for all the Original Title Documents.

Collateral Management
• Monitoring the receipt of all the Original and Copy documents as stated in the LSR.
• Updating the receipt of all the Original and Copy documents as stated in the LSR in the
File Forwarding System.
• Tracking and confirming the receipt of all the Legal OTC and PDD documents.
• Ensuring the completion of Registry process in SRO/Registry and collection of Registered
Documents promptly for Purchase Cases.
• Tracking and collection of all the Title Documents and others in Balance Transfer cases.
• Receipt of all the Original Title Documents from Cluster Business Managers/Cluster Legal
Managers and update the OTD in the File Forwarding System.
• Forwarding all the OTD documents to Corporate Office within TAT.
• Confirming that all the Title Documents are safely deposited with the RMC.
• Coordinate with RMC for collection of Original or Copy of the Title Documents and other
documents and submit back the documents safely to RMC.

Delinquency Control
• Reviewing the Non-Performing Accounts (NPA) in the Region periodically.
• Ensure Demand Notices, Legal Notices are sent to all the delinquent customers as per
the Compliance Calendar.
• Ensure appropriate Legal Actions are initiated against the delinquent accounts/NPAs

Vendor Management
• Selection, Review, Verify and Appoint Legal Vendors for the Region.
• Train and update the existing/revised internal legal policy to Legal Vendors periodically
as per the compliance calendar.
• Ensure that the LSRs are submitted within TAT without compromising the quality.
• Verifying and certifying all the Legal Vendor Bill for the Region and ensure timely
clearance.
• Periodical audit on Random basis on LSRs.

Litigation Management
• Filing complaints with Police, statutory authorities against the fraudulent customers and
ensure prompt measures are taken against them.
• Based on the facts of the each and every case, suggesting best possible legal remedy for
the recovery of NPAs.
• Ensure cheque bounce cases and Arbitration Cases are initiated against all the 90+ cases
and 120+ cases respectively and ensure the submission of all the documents/details thus
ensuring Judgement/Awards are passed in the shortest period possible.
• Reply to Legal Notices either by self or through Legal Vendors/Advocates promptly and
accurately.
• Represent company and brief counsels/advocates in legal proceedings (administrative
boards, court trials etc.)
• Attend to litigation matters, which would include initiation of legal proceedings before
various court and tribunals and review progress of outstanding litigation and liaise and
coordinate with external lawyers and law firms.
• Updating of amendments in existing law, new enactment, Judgement, circulars,
notifications of Statutory Authorities impacting the business to the management.
• Timely submission of MIS on Litigation to the Management.

HLF-Loan against property

• Implementing effective Delinquency Control and Litigation Management, as stated
above, for HLF-LAP.
• Initiating SARFAESI proceedings against the NPA customer of LAP Product (HLF) and
monitoring the proceedings.
• Providing Solutions/Suggestions for legal queries raised by various departments of
LAP Product (HLF)

Sundaram BNP Paribas Home Finance Ltd, Bangalore

Position: AM -Legal Receivables (Authorized Officer)

Period: Nov 2016 to May 2018 (18months)

Roles & Responsibilities:

Delinquency Control
• Reviewing the Non-Performing Accounts (NPA) in the Region periodically.
• Ensure Demand Notices, Legal Notices are sent to all the delinquent customers as per
the Compliance Calendar.
• Ensure appropriate Legal Actions are initiated against the delinquent accounts/NPAs

• Vendor Management
• Selection, Review, Verify and Appoint Legal Vendors for the Region.
• Train and update the existing/revised internal legal policy to Legal Vendors periodically
as per the compliance calendar.
• Ensure to get cases filed wherever its required and pending.
• Ensure to get Monthly MIS on case status and forward to management
• Verifying and certifying all the Legal Vendor Bill for the Region and ensure timely
clearance.

Litigation Management
• Filing complaints with Police, statutory authorities against the fraudulent customers and
ensure prompt measures are taken against them.
• Based on the facts of the each and every case, suggesting best possible legal solution for
the recovery of NPAs.
• Ensure cheque bounce cases and Arbitration Cases are initiated against all the 90+ cases
and 120+ cases respectively and ensure the submission of all the documents/details thus
ensuring Judgement/Awards are passed in the shortest period possible.
• Reply to Legal Notices either by self or through Legal Vendors/Advocates promptly and
accurately.
• Represent company and brief counsels/advocates in legal proceedings (administrative
boards, court trials etc.)
• Attend to litigation matters, which would include initiation of legal proceedings before
various court and tribunals and review progress of outstanding litigation and liaise and
coordinate with external lawyers and law firms.
• Updating of amendments in existing law, new enactment, Judgement, circulars,
notifications of Statutory Authorities impacting the business to the management.
• Timely submission of MIS on Litigation to the Management.

HDFC SALES Pvt Ltd (Home Loan Div)

Position: Legal Coordinator

Period: June 2015 to Dec 2015 (6months)

Roles & Responsibilities:

• Scrutinize legal documents

• Logging the project file
• Preparing the query list
• Coordinate with builder on additional requirements

• Review additional legal documents

• Conducting original document verification
• Conducting training for new folks
• Participating in the PAC meeting and sharing the views on project approval
• Follow up on pending projects
• Site visit for construction status
• Preparing various reports on approved/pending/rejected projects

VinJuris Law firm

Position: Legal Executive/Junior Advocate

Period: Aug 2013 to June 2015 (2 years)
 Roles & Responsibilities:

Property Law
• My work included scrutiny of title deeds for title verification, drafting Title Opinions, Sale
Deeds, Lease Deeds, Memorandum of Understanding, General Power of Attorneys, Joint
Development Agreements etc.
• Contacting professionals such as mortgage lenders, dealing with legal matters such as
property conveyancing.

Corporate Law
• Worked on Corporate Due Diligence Reports, drafted Shareholders Agreements,
Investment Agreements and Joint Venture Agreements.

Contract Law
• Drafting General contracts, preparing supplementary contracts, Reviewing contracts, and
other related drafts in contracts.

Court attendance
• Attended before High court of Karnataka at Bangalore and Civil courts and criminal
courts in Bangalore and Tribunals such as DRT, KAT, & CLAT.
• Coordinate multifaceted office functions encompassing court calendar management.
• Researching to obtain and gather case-relevant data and materials and preparing cases
• Integrated traditional investigative methods to gather case histories and case-sensitive
documentation for procedures including court affidavits, banking statements, proof-of-
assets, and trial letters.

MMK Associates

Position: Legal Analyst-part-time (Non-litigation)

Period: December 2012 to July 2013 (6 months)

Roles & Responsibilities:

 Scrutiny of title deeds for title verification, drafting Title Opinions, Sale Deeds, Lease
Deeds, Memorandum of Understanding, General Power of Attorneys, Joint Development
Agreements etc.
 Preparing required documents lists, documentation work, coordinating with outside
advocates.
 Handling issues relating to clients and Assisting senior in legal research.
 Liaison between clients, law firms and various government agencies
 Prepare content-specific case files for court procedures reflecting supporting forms,
documentation and photographs etc.

Educational Qualification

B.A-Bachelor of Arts from St.Joseph's Arts and Science College-2000

L.L.B-Bachelor of Law from Havanur College of Law-2013

MBL – Master of Business Law – NLSIU – 2022 (Pursuing)

Software Fluency

Having good knowledge of MS Excel, MS Word, and MS Power point.

Languages known

To Speak :English, Kannada, Tamil, Hindi and Telugu

To Read :English, Kannada and Hindi

To Write :English and Kannada

Personal dossier

Date of birth :18 August 1979

Marital Status :Married

Location :Bangalore

MANJUNATH KRISHNAN