RAMKRISHNA TRIPATHI
Mira Road, MUMBAI
Summary
Strategic and results-oriented Legal Professional with over 10 years of diversified experience across Banking, NBFC, Global Leasing, and legal practice, supported by independent advocacy exposure in Civil, Criminal, Banking, Arbitration, Execution, and Recovery matters. Proven expertise in litigation management, contract governance, legal recoveries, dispute resolution, and handling complex multi-jurisdictional matters across India. Experienced in representing and advising financial institutions and business teams on arbitration, enforcement actions, execution proceedings, cheque dishonour matters, contract enforceability, and regulatory compliance while coordinating with external counsels and managing large legal portfolios. Adept at drafting and vetting legal documentation, negotiating settlements, mitigating legal risk, and delivering commercially practical legal solutions that strengthen governance, optimise recoveries, reduce NPAs, and support sustainable business growth while maintaining the highest standards of professional ethics and legal excellence.
Overview
10
10
years of professional experience
1
1
Certification
Work History
LITIGATION SPECIALIST
AYVENS INDIA PVT. LTD. (SOCIETE GENERALE GROUP)
Mumbai, INDIA
01.2026 - 06.2026
- Managed end-to-end company's litigation matters on a Pan-India basis, including civil, criminal, arbitration, SARFAESI, Sec 138 of NI Act, and recovery matters across multiple jurisdictions.
- Coordinated with external advocates, law firms, and recovery agencies for case strategy, filings, and timely representation before courts and tribunals.
- Drafted, reviewed, and vetted legal notices, plaints, written statements, affidavits, replies, rejoinders, and settlement agreements.
- Handled contract lifecycle management, including drafting, vetting, negotiation, and execution of lease agreements, vendor contracts, NDAs, and service agreements.
- Ensured legal compliance and risk mitigation by reviewing contractual clauses and advising internal stakeholders on legal exposure.
- Monitored and maintained litigation trackers, MIS reports, and case status updates for senior management decision-making.
- Represented organisation in pre-litigation discussions, dispute resolution, and settlement negotiations to minimise legal and financial risks.
- Ensured compliance with applicable laws, including Companies Act, Contract Act, DPDP Act, Labour Laws, and local state laws.
- Handled documentation and evidence management, ensuring proper record-keeping for court submissions and audits.
- Assisted in policy formulation and SOP development for legal, recovery, and processes.
LITIGATION SPECIALIST
KOTAK MAHINDRA BANK LIMITED
MUMBAI, INDIA
07.2024 - 12.2025
- Led recovery and legal operations across Mumbai and Goa for NPA and write-off portfolios totalling Rs.570 crores; managed a team of 10 legal and recovery professionals to ensure effective execution of strategies.
- Oversaw end-to-end legal proceedings, including arbitration (Sections 9 and 17 of the Arbitration Act), SARFAESI actions (including Section 14), DRT cases, and complaints under Section 156(3) CrPC; regularly coordinated with courts, including the High Court and DRT, for timely resolutions.
- Strategically implemented recovery tools, such as attachment warrants under Order 21 Rules 43 and 54 CPC, and executed possession orders under the SARFAESI Act, driving efficient asset recoveries.
- Handled legal documentation and stakeholder engagement, collaborating with internal legal teams and external advocates for case management, while maintaining accurate MIS data for all recovery and legal matters.
- Led customer negotiations and direct settlement discussions to maximise recoveries and minimise litigation; ensured compliance and due diligence during the repossession of assets through third-party agencies.
- Managed the disposal of repossessed vehicles, conducting both online and offline auctions, bid evaluations, and sale execution, ensuring transparency and value optimisation.
MANAGER (COLLECTIONS)
HDFC BANK LIMITED
Mumbai, INDIA
02.2023 - 07.2024
- Led the recovery and receivables management of a ₹650 crore portfolio from Bucket X to written-off accounts for Home Loan and LAP products, delivering strong recovery outcomes, and mitigating financial risks.
- Directed cross-functional teams, including in-house recovery staff and empanelled vendors, driving performance through targeted strategy execution and continuous performance evaluations.
- Monitored key performance metrics such as 30+ DPD, NPA trends, recovery rates, and fee income generation, ensuring consistent risk control and portfolio health.
- Optimised resource allocation by streamlining case distribution across internal teams and external vendors, improving recovery turnaround, and maximising efficiency.
- Collaborated with legal teams to manage end-to-end legal recovery processes, including SARFAESI, arbitration, and cheque bounce matters under the NI Act, ensuring timely execution and closures.
- Ensured compliance and operational excellence by resolving CRM cases within TATs, conducting process audits, and implementing corrective actions to align with regulatory standards.
- Led recruitment and team development, hiring Collection Managers and in-house staff, while maintaining budget discipline and fostering a high-performance culture.
Legal Manager
ALD AUTOMOTIVE PRIVATE LIMITED (SOCIETE GENERALE GROUP)
Mumbai, INDIA
11.2021 - 01.2023
- Managed a portfolio of stressed and written-off B2B and B2C Auto Leasing accounts, focusing on maximizing recoveries and minimizing financial losses through strategic recovery initiatives.
- Delivered on key recovery metrics such as resolution rates, rollbacks, and recovery values, while ensuring optimal use of empanelled vendor field resources to meet performance targets.
- Negotiated settlements with defaulting clients, issued settlement letters following approved terms to avoid litigation and mitigate company risk, and achieved early resolution of delinquent accounts.
- Coordinated with repossession agencies to recover hypothecated vehicles from defaulters, ensuring due compliance and minimal disruption during asset recovery.
- Led vendor management efforts, overseeing the empanelment and termination process, and applying performance-based evaluations to ensure efficiency and accountability.
- Initiated and managed legal actions, including IBC filings, arbitration, and proceedings under Section 138 of the NI Act; filed suits and complaints, attended court and police proceedings, and liaised with advocates for timely legal resolution.
- Handled company litigation across courts and forums, collaborated with internal teams to prepare documentation, defended cases, and provided strategic updates to stakeholders for effective risk mitigation.
DEPUTY MANAGER (LEGAL MANAGER)
INDUSIND BANK LIMITED
Mumbai, INDIA
09.2019 - 05.2021
- Managed a portfolio of Non-Performing Asset (NPA) and write-off recovery cases for commercial and passenger vehicle products, driving strategic recovery actions to meet performance targets.
- Led a team of in-house legal executives, ensuring effective execution of recovery strategies, and timely resolution of delinquent accounts.
- Delivered on key performance metrics such as resolution rates and recovery values, while optimising the utilisation of field resources to maximise efficiency, and meet portfolio targets.
- Facilitated settlement negotiations with defaulting clients, ensuring the issuance of settlement letters in line with approved terms to expedite recoveries, and reduce litigation.
- Oversaw the entire repossession process, including the provision of repo kits to vendors, vehicle valuation, sale (online/offline), and RC book updates, ensuring adherence to company guidelines.
- Conducted regular performance reviews of vendors and storage yards, assessing manpower, productivity, and process compliance to drive continuous improvements.
- Filed execution petitions, suits, complaints, and other legal actions on behalf of the bank, attended court hearings, police stations, and coordinated with external counsel to ensure timely legal resolution.
- Managed and expedited litigation cases filed by or against the bank, ensuring efficient case handling across various courts and forums to recover claim amounts and secure legal relief.
ASSISTANT MANAGER (COLLECTION MANAGER)
MOTILAL OSWAL HOME FINANCE LIMITED
Mumbai, INDIA
06.2018 - 08.2019
- Managed a portfolio of Risk X to Risk 90 (Bucket X to Bucket 3) delinquent home loan accounts, implementing strategic recovery initiatives to minimise losses and maximise recoveries.
- Led a team of 10 in-house collection executives, driving high performance and ensuring the timely resolution of delinquent accounts through efficient workflow management.
- Supervised the end-to-end collection process, including monitoring phone communications, follow-up letters, and customer outreach to optimise recovery efforts.
- Worked closely with the legal team on Non-Performing Assets (NPA) and recovery accounts, overseeing the initiation, execution, and resolution of legal actions under SARFAESI, Arbitration, and the Negotiable Instruments (NI) Act for faster settlements.
- Mentored and trained collection staff on best practices, documentation protocols, and performance strategies, ensuring consistent team effectiveness and compliance.
- Analysed and reviewed customer credit histories to develop informed repayment solutions, enhancing recovery success through personalised approaches.
- Partnered with legal and recovery teams to resolve complex delinquency cases, leveraging appropriate legal tools and recovery actions for optimal outcomes.
ASSISTANT EXECUTIVE (COLLECTION EXECUTIVE)
MAHINDRA AND MAHINDRA FINANCIAL SERVICES LIMITED
Mumbai, INDIA
01.2016 - 05.2018
- Managed NPA and bad debt portfolios for Commercial and Passenger Vehicle products, implementing targeted recovery strategies to meet portfolio resolution and rollback targets.
- Enhanced portfolio performance through effective rollback and normalisation efforts, optimising recovery rates, and improving overall health of delinquent accounts.
- Led end-to-end vehicle repossession and disposal, including coordinating with vendors, arranging valuations, managing online/offline sales, and ensuring timely RC book updates as per regulatory guidelines.
- Monitored overdue accounts proactively, identifying potential risks, and maintaining high success rates in collections through regular follow-ups and field engagement.
- Collaborated cross-functionally with internal teams to ensure customer adherence to repayment plans and smooth execution of recovery processes.
- Supported legal recovery efforts by working with legal teams to execute appropriate legal actions on delinquent accounts, ensuring timely and effective outcomes.
Education
MASTER OF LAWS - LAW
HVPS LAW SCHOOL
Mumbai, MH01-2025
Bachelor of Laws - Criminal Law
SHRI L.R. TIWARI COLLEGE OF LAW
MUMBAI01-2021
Post-Graduate Certificate - Financial Management
PRIN L.N. WELINGKAR INSTITUTE OF MANAGEMENT
MUMBAI01-2018
Bachelor of Commerce - Financial & Cost Accounting
VIVA COLLEGE OF ARTS, SCIENCE & COMMERCE
MUMBAI01-2015
Skills
- Contract drafting and vetting
- Commercial disputes and litigation
- Arbitration and mediation
- Civil recovery and execution
- Criminal and commercial law
- Legal advisory and opinion writing
- Consumer forum representation
- Lease agreement documentation
- SARFAESI enforcement
Certification
- Law and Practice of Insolvency and Bankruptcy.
- Advanced Contract Drafting.
Languages
English
Hindi
Marathi
Custom
6,C2,6,C2,6,C2
Personal Information
- Date of Birth: 11/05/1991
- Gender: Male
- Nationality: Indian
Timeline
LITIGATION SPECIALIST
AYVENS INDIA PVT. LTD. (SOCIETE GENERALE GROUP)
01.2026 - 06.2026
LITIGATION SPECIALIST
KOTAK MAHINDRA BANK LIMITED
07.2024 - 12.2025
MANAGER (COLLECTIONS)
HDFC BANK LIMITED
02.2023 - 07.2024
Legal Manager
ALD AUTOMOTIVE PRIVATE LIMITED (SOCIETE GENERALE GROUP)
11.2021 - 01.2023
DEPUTY MANAGER (LEGAL MANAGER)
INDUSIND BANK LIMITED
09.2019 - 05.2021
ASSISTANT MANAGER (COLLECTION MANAGER)
MOTILAL OSWAL HOME FINANCE LIMITED
06.2018 - 08.2019
ASSISTANT EXECUTIVE (COLLECTION EXECUTIVE)
MAHINDRA AND MAHINDRA FINANCIAL SERVICES LIMITED
01.2016 - 05.2018
MASTER OF LAWS - LAW
HVPS LAW SCHOOL
Bachelor of Laws - Criminal Law
SHRI L.R. TIWARI COLLEGE OF LAW
Post-Graduate Certificate - Financial Management
PRIN L.N. WELINGKAR INSTITUTE OF MANAGEMENT
Bachelor of Commerce - Financial & Cost Accounting
VIVA COLLEGE OF ARTS, SCIENCE & COMMERCE