TRIVIKRAM KAMBAM - Regional Legal Manager, Deutsche Bank AG

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Network Power<100 people

Roles

🗿33%

🐦33%

Design

Geos

🇮🇳100%

India

Work Background

Deutsche BankRegional Legal Counsel - South

May. 2021Chennai, Tamil Nadu, India𝑲𝒆𝒚 𝑹𝒆𝒔𝒑𝒐𝒏𝒔𝒊𝒃𝒊𝒍𝒊𝒕𝒊𝒆𝒔 - ➢ Handling the whole South Branches for legal recovery processes such as SARFAESI, Arbitration, Section - 138 cases, EP cases, Against Cases of Company, NCLT cases, DRT Matters, filing Civil Suits And Recovery Cases, handling the panel Advocates and meeting with consumers in various locations. ➢ Issuing Section 13(2) and 13(4) Notices to Borrower and Co-borrower/Grantor, Loan Recall Notification, and bucket notice to all overdue clients. Under the SARFAESI Act, initiate publication and issue Sale Notice to debtors in pre-sale cases, and conduct Auction procedures for repossessed property. ➢ Handling products such as OD, LAP, HL, WC, BL, and PL with a total of SARFAESI In Chennai and Bangalore, we filed about 315 Secured Loan cases and 450 Unsecured Loan cases. ➢ Following SARFAESI section 14 applications in the CMM, CJM, and DM, obtaining possession orders and executing them across the South, as well as conducting Arbitration and E.P. processes, and holding power over all litigation concerns. ➢ Sending the IBC Notice to borrowers/companies who have defaulted after receiving a loan from our bank. As per the Loan Agreement, send Personal Guarantee (PG) Notices to delinquent customers.

TATA CAPITAL HOUSING FINANCE LIMITEDState Legal Head

Aug. 2019 - May. 2021Chennai, Tamil Nadu, India𝑲𝒆𝒚 𝑹𝒆𝒔𝒑𝒐𝒏𝒔𝒊𝒃𝒊𝒍𝒊𝒕𝒊𝒆𝒔 - ➢ Handling Loan against property (LAP), Housing loan & AHF for entire TN & Kerala. ➢ Initiate 13(2) under SARFAESI Act for the NPA cases. ➢ Expedite Symbolic / Physical possession of the property vides Sec 13(4) of SARFAESI Act. ➢ Filing Sec 14 under SARFA before CMM / CJM / DM. ➢ Contesting the SARFAESI appeal filed by the Borrower in DRT/DRAT. ➢ To initiate auction proceedings against executed property. ➢ To follow with advocates for Case against company and Fraud case for south zone. ➢ Frequently visiting Branch and advocate office for state wise. ➢ To represent on behalf of company, filing complainants, petitions and defend matters on behalf of the Company in Courts. ➢ To initiate Arbitration cases against the default customers. ➢ Filing section 138 of N.I. Act and sec 25 of PASA Act cases and filing of criminal complainants against defaulters.

TVS Credit Services Ltd.Sr.Manager Legal

Mar. 2018 - Aug. 2019Chennai, Tamil Nadu, India𝑲𝒆𝒚 𝑹𝒆𝒔𝒑𝒐𝒏𝒔𝒊𝒃𝒊𝒍𝒊𝒕𝒊𝒆𝒔 - ❖ Have successfully managed losses and written off the portfolio for all products across India, leading a team of managers and retainers. In addition, have handled loan against property (LPA) and housing loan matters for our client organization by initiating Section 13(2) of the SARFAESI act for NPA cases. ❖ Successfully obtained symbolic/physical possession of the property in accordance with Section 13(4) of the SARFAESI Act and filed Section 14 of the SARFA before the CMM/District Collector. ❖ Have also successfully contested the Borrower's SARFAESI appeal in DRT/DRAT. Sent show cause notices to terminate employees in cases of disciplinary proceedings, fraud, and persistent customers. ❖ Ensured compliance with RBI affairs, including writing, negotiating, and addressing numerous concerns. ❖ Conducted monthly reviews with managers and retainers, region by region, based on their performance versus goals. ❖ In cases of NPA, initiated the arbitration process, issued the LRN, signed the claim statements, and waited for awards to be issued.

L&T Financial ServicesLitigation Manager

Sep. 2015 - Feb. 2018Chennai Area, India𝑲𝒆𝒚 𝑹𝒆𝒔𝒑𝒐𝒏𝒔𝒊𝒃𝒊𝒍𝒊𝒕𝒊𝒆𝒔 - ➢ Initiation of Arbitration or conciliation proceedings, filing of cases under Negotiable instrument Act, Filing of execution of Arbitration of Award, proper defending of consumer and civil cases filed against the Company. ➢ Providing legal support in connection with repossession and disposal of assets. ➢ Monitor all court cases and coordinate with panel lawyers for proper conduction of cases and to ensure the interest of bank to be protected. ➢ Drafting of MOU for settling the defaulted accounts amicably, drafting of lease deeds pertain to different locations. ➢ Direct negotiations and settlements with the customers in legal cases and in live cases. ➢ Liaison with Government authorities Police Department, RTO etc. ➢ Maintaining track of cases, payments and movement of court cases. ➢ Analysis of Cases filed by the company and Against the Company.