Divya Ray
Plympton,SA
Summary
Persuasive expert analyzes complex legal issues, formulates legal arguments and provides sound advice on wide range of topics. Adept at navigating legal systems, leveraging resources and communicating with clients. Thorough understanding of precedents and regulations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
16
16
years of professional experience
Work History
Counsel
Aditya Birla Finance Limited
10.2022 - 03.2023
- Participated in loan interviews with other stakeholders and ensured that all relevant information along with supporting documentation were obtained from a customer
- Drafted, vetted, reviewed, and negotiated with customers and their legal team on various loan documents
- Provided opinions/ inputs regarding acceptability of documents or deficiencies / risk assessed in documents to Risk, Operations and Business teams
- Initiated property valuations with empanelled valuers / lawyers and advised on steps to be taken to mitigate the hindrances in the title documents prior to creation of mortgage
- Supported in creation of mortgage and maintenance of files
- Drafted, reviewed and negotiated contracts and other legal documents to support client needs.
- Researched and interpreted laws, rulings and regulations to advise clients on business and legal transactions.
- Developed and maintained working knowledge of internal policies, procedures, and services to appropriately address customer issues
- Responded to telephone inquiries and complaints following standard operating procedures/ guidelines of the organization.
Chief Manager
IndusInd Bank Limited
07.2020 - 09.2022
- Provided strong leadership to enhance team productivity and morale.
- Implemented and developed operational standards, policies and procedures.
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Conducted performance evaluations, compensations and hiring to maintain appropriate staffing requirements.
- Developed and implemented strategic plans and initiatives for setting up various products and their processes in place
- Regular interaction with external parties (i.e., with counter parties, clients, regulators, external counsels etc.) to ensure deadlines are met
- Identified operational process inefficiencies and recommended necessary improvements to be considered while granting deviations / waivers in loan documentation.
Senior Manager
YES Bank Limited
06.2018 - 06.2020
- Provided strong leadership to enhance team productivity and morale.
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Implemented and developed operational standards, policies and procedures.
- Conducted performance evaluations, compensations and hiring to maintain appropriate staffing requirements.
- Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.
- Drafted, vetted, reviewed, and negotiated with customers and their legal team on various documents
- Dealt with client issues, investigation and have resolved the same by assisting or directing them to appropriate parties
- Reviewed, amended, and advised change to the standard agreements in line with the statutory and regulatory requirements.
Manager
HDFC Bank Limited
12.2014 - 06.2018
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Drafted, vetted, and negotiated various agreements and documents with customers of the Bank
- Independently handled all the branch operational matters and provided resolution without any escalation for the entire West and South region of the Bank
- Drafted and replied to notices issued to/ against the bank by various authorities including judicial and quasi-judicial bodies
- Interacted with vendors/ service providers and negotiated / successfully finalized various agreements (i.e., service level agreements/ NDA's etc
- Developed training modules and documentation to train branch staff.
Manager
India Infoline Finance Limited
09.2014 - 12.2014
- Managed and motivated employees to be productive and engaged in work.
- Communicated clearly with employees, suppliers and stakeholders to keep everyone on same page and working toward established business goals.
- Drafting, and vetting of various Facility / Lending Documents, Mortgage documents including various Undertaking, Indemnities, Release Deeds, POA's, etc
- Advise on all correspondence requiring legal input and educate client -facing teams on relevant regulatory aspects for smooth on- boarding of the clients.
- Maintained professional demeanour by staying calm when addressing unhappy or angry customers.
- Planned and budgeted accurately to provide business with resources needed to operate smoothly.
Associate
SNG & Partners
01.2013 - 09.2014
- Worked varied hours to meet seasonal and business needs.
- Greeted customers and offered assistance for increased customer satisfaction.
- Trained and mentored junior staff on customer service strategies and techniques.
- Provided independent and professional legal advice and documentation services to clients on corporate and commercial laws, property laws and or banking and Finance Laws and litigation matters
- Provided practical legal advice to clients on legal and quasi legal issues and draft responses, enforceability opinions on wide range of legal issues, relating to legislative provisions and legal interpretation of statues
- Drafted, vetted, negotiated, and standardized all types of documents/ agreements for execution in prescribed timeline
- Advised on registration and stamp duty laws
Functional Analyst
STANDARD CHARTERED BANK
05.2010 - 01.2013
- Supported manager in fielding defects and production operations issues.
- Validated business intelligence reports within test environment to troubleshoot production issues.
- Advised Transaction Banking team on various legal issues
- Drafted, reviewed, and negotiated documents for Cash Management Services, Payment Services and Trade Services in line with RBI regulations
- Assembled and participated in requirement-gathering sessions to define and document functional specs, configurations, enhancements and custom reports.
Process Specialist
INFOSYS BPO LTD
08.2009 - 05.2010
- Analyzed process flows and identified areas of improvement to increase productivity and reduce costs.
- Collaborated with team to define business requirements for organizational processes, achieve productivity standards, and adhere to accuracy standards.
- Identified and resolved process issues to drive optimal workflow and business growth.
- Team member in pilot projects like US case research project and Contract Management projects
- Worked as a Quality Team member for identifying training needs and to impart various trainings as per the requirements to improve the process quality
- Assessed products or services to evaluate conformance with quality standards.
- Determined and recommended methods to implement improvement opportunities.
Junior Advocate
S. DHAR AND ASSOCIATES
11.2008 - 07.2009
- Worked effectively with fellow team members to coordinate effective solutions to any question or concern.
- Delivered friendly service and offered expert support in every interaction.
- Supported individuals with legal, physical, or mental health concerns in dealing with routine needs and complex problems.
- Drafting of plaints, petitions, written submissions, claim & counterclaim petitions, notices, counter-affidavits etc
- Interpreted laws, rulings, and regulations for individuals and businesses
Attorney Associate
INTEGREON MANAGED SOLUTIONS (INDIA) PVT. LTD
04.2008 - 11.2008
- Developed strategies to resolve cases in client's best interest.
- Conducted legal research and conferred with colleagues with subject matter expertise to develop strategies and arguments in preparation for presentation of cases.
- Handled Legal document review by assessing Privilege under the English Law
- Completed Contract abstraction, Case Summarization and Document Review project as a Quality Analyst
- Expertise in preparing reports such as productivity reports, quality control reports and error analysis reports.
Trainee
Rajagopal Naidu, Advocate, Bangalore
04.2007 - 03.2008
- Learned new materials, processes, and programs quickly.
- Participated in on-the-job training, working closely with supervisors and coworkers and asking appropriate questions.
- Attended training courses to build understanding of processes, techniques, and industry.
- Shadowed senior team members to learn all related jobs and tasks.
Education
Bachelor of Law (LLB) -
Bangalore University
2007
Bachelor of Commerce -
University of Calicut
2003
Skills
- Active Listening
- Intellectual Property Law Expertise
- Legal Precedent & Legal Solutions
- Contract Negotiation
- Counsel Clients
- Document Preparation
- Client Representation
- Patent Processes
- Tax Laws & Legal Counselling
- Business Laws & Mortgage Counselling
- Corporate Litigation & Court Proceedings
- Time Management
Timeline
Counsel
Aditya Birla Finance Limited
10.2022 - 03.2023
Chief Manager
IndusInd Bank Limited
07.2020 - 09.2022
Senior Manager
YES Bank Limited
06.2018 - 06.2020
Manager
HDFC Bank Limited
12.2014 - 06.2018
Manager
India Infoline Finance Limited
09.2014 - 12.2014
Associate
SNG & Partners
01.2013 - 09.2014
Functional Analyst
STANDARD CHARTERED BANK
05.2010 - 01.2013
Process Specialist
INFOSYS BPO LTD
08.2009 - 05.2010
Junior Advocate
S. DHAR AND ASSOCIATES
11.2008 - 07.2009
Attorney Associate
INTEGREON MANAGED SOLUTIONS (INDIA) PVT. LTD
04.2008 - 11.2008
Trainee
Rajagopal Naidu, Advocate, Bangalore
04.2007 - 03.2008
Bachelor of Law (LLB) -
Bangalore University
Bachelor of Commerce -
University of Calicut
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