Technical Manager - MSME (AVP)

JOB PURPOSE :

As a Technical Manager, your key responsibilities will include evaluation of properties offered as collateral for loan applications and adherence to company policies & regulatory requirements. This further includes conducting comprehensive assessment & evaluation of properties using suitable methodologies of valuation & study of micro markets and regulatory compliance to prevent frauds.

As a Technical Manager, you are expected to stay updated on industry trends, regulatory changes, and best practices in the industry and recommend process improvement to enhance efficiency and effectiveness.

PRINCIPAL ACCOUNTABILITIES :

• Identify, empanel, and handle external technical agency.
• Manage property & project valuation (including periodic audit exercise), monitoring TAT for reports.
• Act as an expert in technical matters relating to statutory laws on real estate, urban / rural planning authorities, local practices and do's / don'ts in specific markets, types of property etc.
• Do periodic or trigger-based review of technical agencies.
• Prepare and present detailed analysis of real estate on periodic basis.
• Conduct collateral visits, if required, to resolve discrepancies raised in the valuation reports, control vendor quality and to advise on the collateral acceptance.
• Review and update best practices on valuation report structure and content to improve the quality of the valuation report appropriate to the type of lending.
• Liaison with technical / valuation agency managers, valuers, government bodies / authorities, and other stakeholders.
• Maintain a database of capital values (Land & Built-up area) and of local building bye-laws (State wise / Location wise).
• Collateral portfolio Analysis works- including collateral portfolio monitoring, deviation analysis, rejection data analysis.
• Create & timely update location / hub specific technical policy based on local byelaws & practices.

Educational Qualifications :

Work Experience :