About the role

Job Title: Area Technical Manager

Industry: Home Finance / Housing Finance Company

Location: Mumbai/Pune

Experience: 15+ Years

Qualification: B.E./B.Tech – Civil Engineering (Mandatory) | IBBI Registered Valuer (Preferred)

Reporting To: National Technical Head

Role Purpose

To manage technical evaluation and property valuation for mortgage-backed lending products across the assigned area, ensuring accurate collateral assessment, risk mitigation, and compliance with regulatory and internal credit policies.

Experience in risk management, policy and process formulation, data analysis, MIS and reporting is a must. You must possess strong and consistent market insights across locations in Maharashtra, Gujarat, Rajasthan, MPCH. Role involves visits across locations in Maharashtra, Gujarat, Rajasthan, MPCH, Kolkata.

Key Responsibilities

Conduct and supervise property valuation and technical due diligence for Home Loans and LAP cases.
Assess market value, distress value, and construction quality of residential and mortgage-backed properties.
Perform site inspections and identify risks such as deviations, encroachments, and structural issues.
Certify stage-wise construction progress and recommend disbursements for under-construction cases.
Evaluate and approve builder projects from a technical perspective.
Ensure compliance with RBI/NHB guidelines and internal technical policies.
Empanel and manage external valuers; ensure quality, accuracy, and TAT adherence.
Support fraud detection, audit requirements, and recovery valuation of stressed assets.
Maintain valuation MIS and reporting for the area.

Key Skills & Competencies

Strong knowledge of real estate valuation and construction practices.
Understanding of municipal approvals and building regulations.
Risk assessment and analytical capability.
Vendor management and team handling experience.
High accuracy, integrity, and process orientation.

Key Performance Indicators (KPIs)

Accuracy of valuations (minimal variance at enforcement stage).
Turnaround time for technical approvals.
Zero major audit observations.
Reduction in valuation-related risk exposure.