PARVINDER KAUR
Senior In-house Counsel
Gurugram
Summary
Strategic In-House Legal Leader with 12 years of experience in banking, fintech, insurance, and real estate. Specializes in contract management, compliance with RBI and IBC regulations, and governance risk mitigation. Skilled in drafting and negotiating complex commercial agreements and providing actionable legal insights to drive business growth. Experienced in litigation management and digital transformation of legal operations.
Overview
2
2
Language
3
3
Certifications
12
12
years of professional experience
Work History
Group General Counsel
Homeville Consulting Pvt. Ltd. (Parent) & Singularity Creditworld Pvt. Ltd. (Subsidiary)
09.2024 - 01.2026
- Providing strategic legal advisory for lending operations and fintech partnerships, ensuring end-to-end compliance with RBI regulations and applicable laws across group entities.
- Drafted, negotiated, and vetted co-lending, data-sharing, escrow, service delivery, and technology integration agreements to ensure compliance, and mitigate risks.
- Structuring, documenting, and legally vetting wholesale lending transactions.
- Reviewed and supported treasury transactions, including borrowings and direct assignments, ensuring adherence to legal and regulatory standards.
- Advised business, risk, and operations teams on regulatory processes, internal policies, and governance frameworks to enhance compliance and operational integrity.
Associate Vice President – Legal
ICICI Home Finance Company Ltd.
10.2018 - 08.2024
- Drafted and negotiated commercial, real estate, construction finance, partnership, software licensing, and API agreements.
- Led enterprise-wide legal policies, SOPs, and governance framework implementation.
- Directed treasury documentation for term loans, debentures, CPs, and ECBs, including the conversion of unsecured to secured debt structures (large-scale debt restructuring).
- Standardized documentation across Mortgage, Property Services, Real Estate Lending, Gold Loan, and Fixed Deposit portfolios.
- Spearheaded the development and roll-out of the Online Legal TSR System, overseeing vendor onboarding, training, and governance to enhance operational efficiency.
- Managed legal vendor relationships across India, conducting performance reviews, and compliance audits to ensure adherence to legal standards.
- Provided legal advisory on buyout/sell-down transactions, construction finance, and SARFAESI matters.
- Played a key role in a major business transfer transaction, delivering end-to-end legal support.
- Spearheaded construction finance transactions (Pan India).
- Led a high-value IBC matter from initiation through resolution.
- Conducted GDPR and Indian data protection due diligence, and negotiated related service agreements.
- Provided HR legal advisory, including policy drafting, training content, and compliance guidance.
- Supervised service, consumer, and recovery litigations across North and East India, guiding collections teams on enforcement and recovery strategies.
- Led hiring, mentoring, and performance management of regional legal teams.
- Advised businesses on product documentation, Fair Practices Code, and grievance redressal compliance, and supported RBI/NHB and internal audits through legal documentation and process reviews.
- Mentored junior team members, providing guidance on best practices and strategies to overcome challenges while simultaneously strengthening their professional skillsets.
Legal Counsel – Group Treasury
Piramal Enterprises Ltd.
05.2018 - 09.2018
- Drafted, negotiated, and reviewed documentation for NCDs, Masala Bonds, family office investments, and secured/unsecured loan transactions to ensure legal compliance and mitigate risks.
- Managed legal documentation, transaction structuring, and regulatory compliance advisory for the EMTN Programme, enhancing operational efficiency, and facilitating successful transactions.
- Drafted clear and concise contracts that protected the company's interests while facilitating successful business transactions.
Senior Manager – Legal
ICICI Bank Ltd.
11.2015 - 05.2018
- Delivered legal support for retail assets, commercial banking, private banking, IFIG, and housing finance portfolios, ensuring compliance, and risk mitigation.
- Drafted and standardized structured documentation for new retail products, including Personal Loans through Credit Cards.
- Standardized product documentation across retail and commercial banking lines.
- Drafted, reviewed, and negotiated SLAs, NDAs, marketing collaborations, escrow agreements, and payment facilitator contracts to protect organizational interests.
- Managed commercial litigation and regulatory compliance matters.
- Managed construction finance transactions, including documentation and title due diligence.
- Provided legal support for cross-border trade finance, bank guarantees, and Vostro/Nostro account arrangements.
- Drafted and reviewed customer complaints and regulatory responses.
- Oversaw commercial litigation and regulatory compliance matters, safeguarding the organization against legal risks.
Assistant Manager – Legal
HDFC ERGO General Insurance Co. Ltd.
07.2014 - 11.2015
- Managed motor and non-motor insurance litigations across Mumbai, Gujarat, Pune, and Goa, ensuring compliance with legal standards, and protecting company interests.
- Represented the company before the Insurance Ombudsman and Consumer Redressal Forums, advocating for favorable outcomes in consumer disputes.
- Drafted legal notices, policy responses, pleadings, and customer communications, facilitating clear and effective legal correspondence.
Education
BA.LLB - Law
Army Institute of Law
Mohali, India 08.2009 - 05.2014
Skills
Contract management
Regulatory Compliance
Corporate Governance
Dispute resolution
Technology & API Contracts
Mortgage & Construction Finance
Debt documentation
IBC matters
Compliance management
Litigation management
Corporate governance
Legal advisory
Accomplishments
- Led ₹200–300 Cr+ treasury & securitization transactions with full legal ownership.
- Structured and documented lending transactions up to ₹400 Cr in real estate & construction finance.
- Converted ₹15,000 Cr unsecured borrowings into secured debt structures, strengthening lender protection.
- Independently managed a ₹240 Cr recovery from a stressed real estate NPA account from default to full resolution.
- Legally supported ₹200–250 Cr regional business portfolios across lending operations.
- Implemented end-to-end Legal Tech / TSR System, digitizing due diligence & vendor workflow.
- Recognized for key legal role in closure & successful re-launch of ICICI Consumer Finance.
Certification
Pursuing Certification in Fintech Laws & Cyber Laws
Timeline
Group General Counsel
Homeville Consulting Pvt. Ltd. (Parent) & Singularity Creditworld Pvt. Ltd. (Subsidiary)
09.2024 - 01.2026
Associate Vice President – Legal
ICICI Home Finance Company Ltd.
10.2018 - 08.2024
Legal Counsel – Group Treasury
Piramal Enterprises Ltd.
05.2018 - 09.2018
Senior Manager – Legal
ICICI Bank Ltd.
11.2015 - 05.2018
Assistant Manager – Legal
HDFC ERGO General Insurance Co. Ltd.
07.2014 - 11.2015
Certificate in Consumer Protection law
04-2013
Certificate in Competition law
03-2012
BA.LLB - Law
Army Institute of Law
08.2009 - 05.2014
CAREER TIMELINE (RECENT 5)
- 2014 - 2015 | HDFC ERGO | Ass. Manager Legal
- 2015 - 2018 | ICICI Bank | Sr. Manager Legal
- 2018 - 2018 | Piramal | Legal Counsel – Group Treasury
- 2018 - 2024 | ICICI Home Finance | Associate VP Legal
- 2024 - Jan,2026 | Singularity Creditworld | Group General Counsel