Legal Qualification

US Bank; Chennai; On-site; INR 800,000 - 1,200,000; Full time

Job summary

U.S. Bancorp India seeks a detail-focused professional to manage post-charge-off accounts through litigation, including document handling, attorney vendor oversight, and regulatory compliance.

The role requires meticulous records and collaboration with internal teams, handling sensitive conditions like bankruptcy, fraud, and disputes. You will drive the litigation process from eligibility assessment to settlement or recall, coordinating with vendors, monitoring milestones, and ensuring accuracy

Qualifications

• Litigation eligibility review
• Delinquent and charged-off account analysis
• Regulatory and policy compliance
• Microsoft 365 proficiency

Responsibilities

• Identifying Accounts for Legal Placement - Accounts are systemically reviewed for litigation eligibility using criteria maintained by the Technology Reporting and Analytics (TR&A) Team.
• Right to Cure - Certain states require a RTC letter before litigation can proceed.
• Account Review Process - Legal Designees manually review accounts flagged as litigation eligible in the CACS system.
• Attorney Vendor Placement - Eligible accounts are sent to Attorney Vendors for documentation and collection actions.
• Legal Process - Vendors pursue litigation, file lawsuits, prepare affidavits, and monitor judgments.
• Settlements & Recalls - Settlements can occur pre-, during, or post-litigation; recalls may occur.
• Payment Processing - Monthly reconciliation between U.S. Bank and Attorney Vendors.

Skills

Litigation eligibility review

Delinquent and charged-off account

Regulatory and policy

Critical thinking

Risk identification

Documentation and recordkeeping

QA and control validation

Complex case escalation

Microsoft 365 proficiency

Job description

At U.S. Bancorp India, we're on a journey to do our best. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bancorp India gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

A professional in this role manages post-charge-off accounts through the litigation process, including account documentation, attorney vendor oversight, legal workflow monitoring, judgment activity, settlements, and recalls. The position requires handling sensitive account conditions such as bankruptcy, military status, fraud, complaints, etc., while ensuring compliance with legal, regulatory, and internal policy requirements.

This role also coordinates with internal teams and external vendors, maintains accurate records, supports quality control, and escalates issues as needed. Strong attention to detail, excellent Microsoft suite skills, ability to complete complex tasks with minimal oversight and critical thinking skills.

Performs a variety of document processing and record keeping tasks associated with customer accounts that require a thorough knowledge of products and services in the assigned area.

• Entering new account information
• Changing information on existing accounts
• Recording transactions
• Answering customer inquiries
• Receiving, classifying, consolidating and summarizing documents and information
• Completing reports and providing administrative support

Responsibilities may also include customer service duties such as answering customer inquiries, resolving customer problems and responding to customer requests for information.

Role Responsibilities

• Identifying Accounts for Legal Placement - Accounts are systemically reviewed for litigation eligibility using criteria maintained by the Technology Reporting and Analytics (TR&A) Team. Exclusion criteria include bankruptcy, SCRA (Servicemembers Civil Relief Act), statute of limitations, consumer disputes, fraud, and other flagged issues.
• Right to Cure - Certain states (IA, KS, WI, SC, ME, MO, NE) require a Right to Cure (RTC) letter before litigation can proceed. RTC requirements do not apply to Small Business accounts.
• Account Review Process - Legal Designees manually review accounts flagged as litigation eligible (L01) in the Computer Assisted Collections System (CACS). Accounts not meeting criteria are removed from legal consideration; those meeting criteria are assigned for litigation.
• Attorney Vendor Placement - Eligible accounts are sent to Attorney Vendors, who receive required documentation (statements, agreements, applications). Vendors are responsible for collection efforts and legal actions.
• Legal Process - Vendors attempt collection before litigation (Initial Demand Letter, 30 days). If unresolved, lawsuits are filed, affidavits prepared, and court actions are pursued. Judgments are entered, and post-judgment remedies (garnishments, voluntary payments, liens) are applied. The team members monitor, and validates accuracy, key milestones and/or legal documents. Special handling for bankruptcy, SCRA, complaints, credit bureau disputes, fraud, cease and desist, and deceased account holders.
• Settlements & Recalls - Settlements can occur pre-litigation, during litigation, or post-judgment. Accounts may be recalled from Attorney Vendors for various reasons (strategy, bankruptcy, death, settlement, payment in full).
• Payment Processing - Payments are reconciled between U.S. Bank and Attorney Vendors monthly.

Special Handling Accounts

• Bankruptcy: Accounts are recalled and handled according to bankruptcy rules.
• SCRA: Active-duty military accounts are placed on hold; litigation is paused or dismissed.
• Complaints & Disputes: Accounts are placed on hold and investigated; litigation may be recalled if complaints have merit.
• Fraud: Accounts are placed on hold during investigation; litigation resumes or is recalled based on findings.
• Cease and Desist: Accounts are coded and handled according to legal requirements.
• Deceased: Litigation is dismissed if all account holders are deceased; continues against surviving holders on joint accounts.

Competencies

• Litigation Eligibility Assessment
• Regulatory Compliance
• Critical Thinking and Judgment
• Attention to Detail
• Risk Identification and Mitigation
• Account Analysis
• Decision DocumentationQuality Assurance and Control Execution
• Complex Case Escalation
• Accountability and Independent Execution

Skills

• Litigation eligibility review
• Delinquent and charged-off account analysis
• Regulatory and policy compliance
• Critical thinking and sound judgment
• Risk identification and mitigation
• Detailed documentation and recordkeeping
• Quality assurance and control validation
• Complex case escalation and resolution
• Microsoft 365 proficiency

Qualifications

Qualifications: Basic Qualificati