Job Description

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Cluster Technical Manager-Secured Credit Technical

Multiple locations








Department
NORTH SECURED CREDIT TECHNICAL
Job posted on
Jan 09, 2026
Employment type
Permanent

POSITION DESCRIPTION

JOB TITLE

Cluster Technical Manager

GRADE

SM

DEPARTMENT

Credit

LOCATION

Region/Cluster

SUB-DEPARTMENT

Housing

TYPE OF POSITION

Full-time

REPORTS TO

National Technical Manager

REPORTING INTO

Technical Officer/Deputy Technical ManagerROLE PURPOSE & OBJECTIVE This role is primarily responsible to provide technical/valuation support to designated Credit Team (MSME/Housing/MLAP & other secured verticals) to enable them make suitable decisions on funding projects and study and verify drawings, Estimate and Construction Area. The incumbent works on cost estimation for various works and materials Supervise Construction Execution for RCC works and Finishing work. Visit of the properties to ensure funds has been utilized for the purpose mentioned and monitor timely release of construction tranches. He need to manage 30 to 40 vendors and should be well aware of local practices with respect to collaterals and competition practices. The incumbent should be able to identify the risk involved in the collateral which is being offered us as collateral. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE100 Cr - 300 Cr. Handle a team of 3 to 4 Technical officer/Manager Manage cross functional teams - Credit, Business team Manage 30 to 40 vendors KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Ensure policy and process adherence in the region. Empanel, monitor and Co-ordinate with Technical Agencies Ensure timely training to branches in the region. Suggest Policy revisions in line with changing market conditions. Study and verify drawings, Estimates and Construction Area and determine Cost estimation for various works and materials Ensure construction tranches are being released within time line to ensure best service to stakeholders Review of Technical visit report submitted by the external agencies and maintaining report hygiene Participate in imparting Fresher/Refresher training of SHL team in the region Close co-ordination with sales and credit team on technical appraisal of customers Maintaining property and area data base to monitor inflation/deflation in the property price Monthly review of external agencies to fill the gap in between policy of the company and by laws of local regulatory bodies

Customer

Oversee Execution for RCC and Finishing work as per timelines of the project Validating loan utilization Visit of the properties to ensure funds has been utilized for the purpose mentioned Appoint suitable external agencies and Review of Technical visit report submitted by the external agencies and maintaining report hygiene

Internal Process

Preparing case studies & maintain technical training content for the region Provide Market intelligence writ to the property prices and market conditions from a competition and customer stand point Recommendations on new processes & fraud Control initiative etc. NPA and STD accounts revaluation monitoring.

Learning and Performance

Expert knowledge of property segments in various markets of India and their
performance histories.
Keep knowledge of Builder behavior for the target segment Expert knowledge of negative profiles, negative property types and negative property
locations and zoning regulations
Complete understanding of various collateral types of all regions and cities in India and
their title documentation requirements for creation of equitable mortgage
Knowledge of property valuation process through vendors and knowledge & keen
interest in monitoring current property price / historical property prices.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
QualificationsDegree (B.E/B.Tech/B.Arc) in Civil/Structural/Architectural Engineering from a reputed college.

ExperiencePreferred experience of 4 years or more in property valuation and identification is must Ability to communicate with customers and internal team

CertificationsNA

Functional SkillsKnowledge of Property valuation, prevailing market rate, condition of the property and identification of the property MIS maintenance and monitoring Skills Communication Skills.

Behavioral SkillsTeam Player Attitude to learn Possesses good interpersonal skills.

CompetenciesPlanning and Organizing Execution Collaboration KEY INTERACTIONS

INTERNAL

EXTERNAL

Regional Credit Manager

Valuation Agencies

Regional Business Manager

Customers

Relationship Managers

Relationship Officers

Credit Managers

Regional Legal Managers

PREPARED BY : Credit Team

DATE : 29-11-2023

REVIEWED BY : Anand Devata

DATE : 29-11-2023

LAST UPDATED BY : TM Team

DATE : 11-12-2023