Tata Capital - National Legal Manager - Rural Finance

Business Vertical: TCFSL-Rural Business

Department: Legal

Designation: Senior Manager/AVP

Line of Business: Rural Business

Proposed Immediate Superior: Business Head-Tractor/Rural Business

Grade: M4/M5

Key Objective of the Job:

Major Deliverables:

- Filling cases in Court U/S138, Section 9 for appointment of receiver for custody of assets and other interim measures in Home Loan

- Filling of cases under Negotiable Instruments Act, Payments and Settlement act, IPC against the Delinquent customers

- Representing Consumer litigation, Criminal Cases, Police matters against the Company in critical cases through Advocates.

- Creating and Developing Legal infrastructure and on line legal system

- Attending Legal matters before various authorities for HNI and individually managing Critical cases

- Review delinquent accounts with Branch Managers and Collection Managers for effective collection and resolution through Legal

- Updating Seniors and Business with respect to recovery through Legal

- NPA and Legal Recovery. Responsible for sale of asset/Properties which are taken into possesion

- Legal training to team members and vendors

- MIS generation and preparation, cost analysis report for Superiors and Business Heads.

- Drafting, vetting of Letters and replies to Customers. R.B.I Ombudsman, various statutory authorities.

- Managing and developing panel of Lawyers across the region

- Drafting, vetting and Preparation and maintenance Legal Documents/Contracts

Legal Documentation:

- Prepare documentation and handle correspondence & routine legal matters with internal & external customers related to service issues.

- Actively involved in drafting & scrutinizing numerous legal documents such as plaints, written statements, affidavits, petitions, writ & original applications, deeds, agreements, contracts, bonds, guarantees etc.

- Trial preparation, Evidence filling, case development, Arbitration matters and other Alternate dispute resolution matters like Lok- Adalat, Conciliation.

Handling Arbitration for PAN India from Mumbai

Specialized job competencies:

Legal Planning:

- Handling all legal matter/ practices to secure the best interests of the organization in Debt Recovery.

- Render

- Advise for Title clearance, Charge in matters of Home Loan

- Advise for planning the strategies and procedures to be followed in Debt Recovery, Maintaining and preparing of Legal MIS for region, RBI MIS and providing quarterly reports on Legal recovery.

- Legal opinion / advice on debt Recovery, Arbitration, Negotiable Instruments Act, Civil matters and Criminal matters, execution of warrants.

- Drafting Section 9 application, Arbitration Claim Petition, Suit for redemption of Mortgage

- Attending Arbitration, Section 9, Execution, Court Receiver Meetings, Court Receiver Execution.

- Brief Company's Counsel on various cases & planning the strategies/ procedures to be followed.

- Conducting / appearing in adjudication, Lok Adalat, Conciliation and inquiry proceedings before various authorities.

- Experience in handling Tractor Finance, Rural and Agricultural Products.

- Sound knowledge of Collection Process.

- Profound knowledge of Types of Mortgage, Process of Mortgage, Due Diligence of Mortgage, Lease, Creation of charge over asset, title search, Registration Act, Transfer of Property Act, Contract Act, Specific Relief Act, Civil Procedure Code and Arbitration and Conciliation Act.

- Proficiency in preparing drafts for legal cases, loan documents, briefs, giving opinions on various issue

- Ability in handling High Court, District Court, NCL & GCL Recovery, Consumer Forum, Criminal, Arbitration cases and HNI customer cases

- Proficient in scrutinizing, inspecting and guiding in all legal matters with effective communication, leadership & problem solving skills.

Educational Qualification: Law degree from reputed institution

Desired Experience: 7-10 years of experience

Other desired attributes:

- Team player and good interpersonal skills

- Minute eye for details

- Conceptual clarity

- Open for travelling across geographies

Location: Thane

Number of Positions: 1