Job Description

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Technical Manager-Secured Credit Technical

Multiple locations








Department
SOUTH SECURED CREDIT TECHNICAL
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
3 years - 5 years

POSITION DESCRIPTION

JOB TITLE

Technical Manager

GRADE

M

DEPARTMENT

Credit

LOCATION

Branch

SUB-DEPARTMENT

Housing

TYPE OF POSITION

Full-time

REPORTS TO

Area Technical Manager

REPORTING INTOROLE PURPOSE & OBJECTIVE This role is accountable to monitor the Technical evaluation of home loans, MLAP carried out by Technical vendors and responsible for the valuations carried by in house technical team. The role incumbent is responsible for evaluating, verifying and approving the tranche of the loan amount. Oversees empanelment and assessment of the technical vendors across the region. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE600 Cr - asset Portfolio at PAN India level to be managed Implement Micro LAP and scale up underwriting of secured & unsecured Agri products All fintech partners, technical vendors and BCs associated/ to be associated with Rural banking Manager credit function for all RB products across regions Manage monthly disbursement of 60 Cr (Over 100Cr Projected) 12,000 Credit files processed in a month KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business:

Works closely with the underwriting head at the location/ regions, Head office and develops robust technical evaluation norms. Monitors the technical evaluation process across region. Directly carries out the technical evaluation process on a need basis. Responsible for empanelment of Technical vendor Manages the vendors and in-house technical team involved in the technical evaluation process. Carries out spot checks on a frequent basis. Maintains and publishes MISs related to the technical evaluation. Monitors handling of fraud cases on the technical front i.e. identification, handling, reporting and facilitates closure as per the action decided. Maintains quality of Report on cost estimation, property identification & cost calculation, recommendation as per policy etc. Oversees Loan Utilization check Monitoring customer's work & guiding customers to complete work within estimated cost. Establishes technical policy and practice of the valuation in purview of geography, town planning regulations, local practices etc. Responsible for the technical survey of the new area, cluster in valuation terms and reports accordingly to the higher management.

Customer:

Closely co-ordinates with sales and credit team on technical appraisal of customers Works closely with the legal counterpart on the technical evaluation front. SPOC for all technical vendors and responsible for the timely repayment of the valuation service taken by the organisation. Responsible for the renewal and reinstate the charges for the valuation.

Internal process:

Responsible for evaluation of tranche payment, Approval and recommendation of the same as per DOA/process Identifies risks related to technical / property and reports to Risk/credit for process/policy improvement. Need to work closing with Risk and Credit department. Takes technical related initiatives to strengthen Products and Processes Maintains TAT targets for the technical evaluation process.

Learning & Performance:

Trains and evaluates the proficiency levels of the team on a regular basis. Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
QualificationsDiploma or BE in Civil Engineering or Architecture (B. Arch)

ExperienceMinimum 3 years of experience

CertificationsNA

Functional SkillsGood written and verbal communication skills in English and local language Understands and executes the Procedure of estimating Thorough knowledge of Methods of building estimates of residential projects, individual house and commercial properties. Understanding of the Structural stability, impact of earthquake and other natural calamities on the residential/commercial projects-individual units. Knowledge of local practices of the building structures across various localities.

Behavioral SkillsTeam handling and conflict management skills Leadership capabilities Performance coaching. Maintains positive working relationships. Is flexible and willing to cooperate with others. Demonstrates ability to listen and understand.

Competencies

Planning and Organizing
Execution
CollaborationKEY INTERACTIONS

INTERNAL

EXTERNALCredit officers, CCM, ACM Loan officers, RM, CM, AM, RBM Operations FCU manager, Products, Auditors Legal advisors Accounts officers, Mangers Technical Vendors Customers Local bodies/Town planning authority

PREPARED BY : Credit Housing

DATE : 30th January 2024

REVIEWED BY : Anand Devata

DATE : 30th January 2024

LAST UPDATED BY : TM Team

DATE : 30th January 2024