Area Technical Manager-Credit - Technica...

PeopleStrong; Lucknow; On-site; INR 900,000 - 1,350,000; Full time

Job summary

Aditya Birla Finance Limited (ABFL) is seeking an Area Technical Manager-Credit to manage technical due diligence on real estate as security for mortgages, LAPs, and home loans. The role involves coordinating valuation reports, maintaining TATs, and aligning with RBI norms across ABFL locations.

The candidate should bring 6–8 years of experience in credit risk, technical evaluation, and vendor management, with a strong engineering background and BE/BTech degree.

Qualifications

• LAP focus and vendor management experience.
• Audit and technical evaluation of properties.
• Civil engineering background for property assessments.

Responsibilities

• Oversee Real Estate valuation for secured loans via external and in-house teams.
• Ensure compliance with internal and regulatory technical norms.
• Develop and maintain a technical MIS for risk and TAT tracking.

Skills

LAP

Vendor Management

Audit

Civil Engineering

Education

Bachelor of Technology

Job description

Area Technical Manager-Credit - Technica...

ABG111461

• Financial Services
• Uttar Pradesh

Posted On 07 Sep 2026

End Date 06 Mar 2027

Required Experience 6 - 8 years

Basic Section

No. Of Position 1

Grade 10

Level NA

Organisational

DEPARTMENT-1 Credit - Technical

Country India

Function Others

Skills

Skill

LAP Vendor Management Audit Civil Engineering

B.E./B.Tech (Dist Education) Bachelor Of Technology

CERTIFICATION

Job Description

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters)

To contribute to mortgage risk management by ensuring that properties held as security for mortgages, home Loans and construction Finance are marketable and identifying and evaluating associated risks, to prepare and monitor the MIS for capturing the behavior of the portfolio and the quality of security and to effectively monitor the technical vendors to ensure that the quality of technical reports and TATs are adhered to.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Function Workforce Number

14

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Parameters

units

FY 2021

FY 22(proj.)

Fy-23(proj)

Book size

Crs

STSL

550

1700

3000

Mortgages

8990

10385

11850

SME

6000

7500

8500

LCMM

5800

6900

7500

Description

FY 2021

FY 22 (proj.)

Fy-23 (proj)

Business verticals

4

4

4

locations handled

10

20

40

20

30

50

Valuation cost save ( fee-negotiation)

Business

FY 2021

FY 22 (proj.)

Fy-23 (proj)

ABFL (Mortgages/ STSL/LCMM/ SME)

50 lakhs

80 lakhs

100 lakhs

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ( (Max 3975 Characters)

Organizational Context:

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Job Context:

This role is an integral part of the Risk & compliance & is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property and ensure that all information required to take a credit decision w.r.t. real estate property be provided to higher management. He is also responsible for maintaining TAT. The key aspect of due diligence is that underlying security i.e. real estate properties are compliant with local statutory norms & regulations & falls under acceptable norms as per ABFL as well as RBI. He is also responsible for providing and keeping updates about changes happening in statutory rules & regulations related real estate properties, real estate property rate movements, demand-supply analysis, impacts of economic changes on real estate property etc. In all he must provide inputs related to real estate property to higher management which will help them in decision making to improvise TATs of the overall sanction process.

• Cross functional coordination to enable timely approval of proposals
• Self-updation on economic / sectoral changes in the economy
• Improvising on TAT and customer Satisfaction: Internal as well as external customer satisfaction.
• Vendor Management: Seamless co-ordination with external entities.

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas ( Max 1325 Characters)

Supporting Actions ( Max 1325 Characters)

Policy & Process

• Preparing & review City Specific Process notes which can cater city specific deviations & mitigants for the same.
• Inputs for updating technical policy, Vendor management Policy, Audit policy
• Periodical review of the vendors for respective zones.
• Monitoring TAT
• Resolving valuation specific queries from respective locations.

Carry out technical evaluations of property to be held as security against mortgages / LAPs and home loans

• Oversee the real estate valuation process for ABFL, to be carried out through external technical agencies as well as an in-house technical team
• Identify projects for which home loans may be approved on an expedited basis, so as to reduce the turn-around-time of home loans
• Develop and oversee the upkeep of a technical MIS and supervise technical activities across locations
• Coordinate with valuation agencies to purchase valuation reports; carry out checks and validations of these reports and incorporate them into the technical database
• Ensure compliance with technical norms (both internal and regulatory) in line with organizational policies
• Appraise senior management of any amendments in development control regulations affecting the real estate sector, and their effects on business

Audit & Hind sighting

• Carrying out periodical audits of vendors for respective locations
• Carrying out monthly audit for sampled valuations, lease rentals for respective locations.

Oversee the development and upkeep of an MIS for technical information

To prepare regular MIS for areas under risk management and give presentation to various stakeholders

• Develop an MIS system to track TAT, price trends , valuer allocation %, collateral score data.
• Prepare MIS reports and trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle and present them to the team leader.

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

NA

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

Internal

• Zonal Technical
• Head Technical
• Regional Credit Manager (Mortgages/HFC/CF)

Daily

Need based

Daily

• MIS, intimation in cases requiring management intervention
• Recommendations on loans, ongoing portfolio/client reviews, documentation audits
• MIS, intimation on major shortfall/skips/defaults in portfolios

External

• Clients
• Regulatory authorities
• Need based
• Daily / Weekly
• Need Based
• Documentation, intimation in case of shortfall
• Real Estate property issues, valuation issues, audit etc.
• Document verification, changes in statutory norms