ANAKHA UNNI
Aroor
Summary
Legal Manager with extensive experience at HDFC BANK Ltd, specializing in loan recovery and litigation management. Demonstrated expertise in SARFAESI proceedings and negotiation, resulting in exceptional recovery rates. Proficient in legal documentation and compliance, contributing to enhanced management of distressed assets. Dynamic Legal Manager with proven success in loan recovery, compliance advisory, and legal documentation. Expert in SARFAESI proceedings and negotiation, driving significant reductions in NPA levels while ensuring regulatory compliance.
Overview
4
4
years of professional experience
Work History
Legal Manager
HDFC BANK Ltd
09.2023 - Current
- Consistently contributed to the bank’s recovery targets by adopting a proactive and solution-oriented approach in distressed asset management.
- Provided legal advisory and training to credit, recovery, and branch teams, improving awareness of legal risks and strengthening documentation practices.
- Collaborated with advocates, valuers, and enforcement agencies, ensuring the timely execution of legal actions and the faster resolution of default cases.
- Negotiated and facilitated one-time settlements (OTS) and compromises with borrowers, achieving high recovery rates while reducing litigation costs.
- Drafted and vetted loan agreements, mortgage deeds, settlement terms, and recovery documentation, minimizing legal risks for the bank.
- Conducted comprehensive legal due diligence and title verification of agricultural properties, ensuring 100% compliance and enforceability of collateral.
- Reduced NPA levels by driving efficient recovery through SARFAESI actions, DRT proceedings, arbitration, and civil litigation.
- Successfully managed Agri Loan recovery cases as an Authorised Officer under the SARFAESI Act, issuing possession and auction notices that led to significant recovery of stressed assets.
Junior Advocate and Legal Drafting
Dev and Associates
High Court Junction
08.2022 - 09.2023
Junior Advocate
TBT Associates
Ernakulam
11.2021 - 08.2022
Education
LLB -
Govt Law College
Trivandrum01.2021
BA - English Literature
Siena College of Professional Studies
Ernakulam01.2018
12th -
Bishop Moore Vidyapith
Cherthala01.2015
10th -
Bishop Moore Vidyapith
Cherthala01.2013
Skills
- Loan Recovery
- SARFAESI Proceedings
- Litigation Management
- Civil Law
- DRT
- Arbitration
- Lok Adalat
- Legal Documentation
- Due Diligence
- Title Verification
- Agricultural Properties
- NPA Management
- One-Time Settlements
- OTS
- Regulatory Advisory
- Compliance Advisory
- Banking Laws
- Land Laws
- Dispute Resolution
- Negotiation
- Coordination
- Advocates
- Valuers
- Enforcement Agencies
- Training
- Legal Support
- Business Support
- Recovery Teams
- Communication
- Teamwork
- Relationship Management
Personal Information
- Date of Birth: 08/04/97
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Internships Certificates
- 30 days, Intern, Panchayath Office, Aroor Panchayath Office
- 14 days, Intern, Village Office, Aroor Village Office
- 28 days, Intern, Advocate Office, K S Shanthi, Advocate, South Chittor
Timeline
Legal Manager
HDFC BANK Ltd
09.2023 - Current
Junior Advocate and Legal Drafting
Dev and Associates
08.2022 - 09.2023
Junior Advocate
TBT Associates
11.2021 - 08.2022
LLB -
Govt Law College
BA - English Literature
Siena College of Professional Studies
12th -
Bishop Moore Vidyapith
10th -
Bishop Moore Vidyapith