Jaya RatnaniManaging Partner
LinkedIn Profile
Areas of Expertise
  • Remedial Risk
  • Loss Containment
  • Credit Policy
  • Business Development
  • Customer Relationship Management

With over 17 years of experience in Remedial Risk, Loss Containment, Credit Policy, Business Development and Customer Relationship Management across Banking, Real Estate and Hospitality industry, Jaya has the breadth and depth of experience required to understand mortgage debts and craft the most suitable solution for the clients.

You can rely on Jaya’s experience and knowledge to find a solution to your mortgage debt problems.

Jaya’s experienced journey comprises of key milestones, which makes her your best bet for mortgage debt reconciliation. She was a prime member of the initial setup of the Dubai Properties Group to drive local and international property sales. Her work comprised of some key projects such as JBR, Business Bay, Culture Village and The Villa.

She also has been instrumental in developing the Mortgage Collections Team in ADCB since its inception. Her knowledge in the field helped her devise an end-to-end process as a part of the team that included legal framework, foreclosure, and restructure policy to manage credit control and recoveries.

how can we help you?

Contact us today to find your freedom from debt.

contacts

Ritesh Chopra

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings.

Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Vice president

Gargash Insurance

FREED Financial Services LLC
2020-01-17T05:04:06+00:00

Vice president

Gargash Insurance

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings. Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Joseph Iskander

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.

CEO

An Asset Management Company

FREED Financial Services LLC
2020-01-24T17:02:30+00:00

CEO

An Asset Management Company

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.

Anwar Ali Khan

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Managing Director & CEO

Adsum Capital Limited

FREED Financial Services LLC
2020-01-11T04:23:14+00:00

Managing Director & CEO

Adsum Capital Limited

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Sapnaa Mirchandani

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank.

We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Associate Director

Jardine Lloyd Thompson Asia

FREED Financial Services LLC
2020-01-11T04:22:12+00:00

Associate Director

Jardine Lloyd Thompson Asia

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank. We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Dinesh Bhasin

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund.

Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.

Group CFO

Tiger Steel Engineering L.L.C

FREED Financial Services LLC
2020-01-11T04:23:54+00:00

Group CFO

Tiger Steel Engineering L.L.C

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund. Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.
0
0
FREED Financial Services LLC

Read Our Blogs

  • Tips to Make Debt Management Easier

    The debt trap is a reality. It was evident in a recent Standard Chartered survey published in UAE’s leading newspaper in December 2020. [MK1] In the survey, millennials (aged 25-44) were asked what they would do if the government gave them Dh 5,000 without any obligations. An overwhelming 45% of respondents said they would use the money to pay off debt or cover living expenses. Nearly 34% of the millennials said their borrowings have increased over the past month.

    February 9, 2021
  • How to Manage Overwhelming Loans or Debt during Pandemic

    Undoubtedly, the COVID-19 pandemic has unexpectedly saddled many people with debt. According to a recent survey by Standard Chartered, managing money became challenging for 74% of people in the UAE since the COVID-19 outbreak. Notably, things became difficult for millennials (aged 25 to 44), with 78% struggling with money management issues.

    February 1, 2021
  • How to Get Out of Debt in 7 Easy Steps

    Being in debt is not a pleasant situation. In particular, job losses or pay cuts caused by COVID-19 has made things more difficult for households. However, everyone should aspire to become debt-free. While it may look complicated, it is not impossible.

    January 21, 2021

Read Our Blogs

  • Tips to Make Debt Management Easier

    The debt trap is a reality. It was evident in a recent Standard Chartered survey published in UAE’s leading newspaper in December 2020. [MK1] In the survey, millennials (aged 25-44) were asked what they would do if the government gave them Dh 5,000 without any obligations. An overwhelming 45% of respondents said they would use the money to pay off debt or cover living expenses. Nearly 34% of the millennials said their borrowings have increased over the past month.

    February 9, 2021
  • How to Manage Overwhelming Loans or Debt during Pandemic

    Undoubtedly, the COVID-19 pandemic has unexpectedly saddled many people with debt. According to a recent survey by Standard Chartered, managing money became challenging for 74% of people in the UAE since the COVID-19 outbreak. Notably, things became difficult for millennials (aged 25 to 44), with 78% struggling with money management issues.

    February 1, 2021
  • How to Get Out of Debt in 7 Easy Steps

    Being in debt is not a pleasant situation. In particular, job losses or pay cuts caused by COVID-19 has made things more difficult for households. However, everyone should aspire to become debt-free. While it may look complicated, it is not impossible.

    January 21, 2021

Get in touch

Contact us - FREED Financial Services

    Leave us a message

    and we will call you back

    Get in touch

    Contact us - FREED Financial Services

      Leave us a message

      and we will call you back