Technical Manager

ABC - Aditya Birla Housing Finance Limited; Gujarat; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Aditya Birla Housing Finance Limited (ABHFL) seeks a Team Member - Technical to support underwriting and risk management for real estate properties used as security. You will review property details, ensure data completeness, monitor TATs, and provide timely inputs to higher management for credit decisions.

You will coordinate with external vendors, stay updated on regulatory changes, valuation trends and market movements, and help optimize the sanction process with accurate property information.

Qualifications

• Civil Engineer with 5–8 years of construction and valuation experience, preferably with Banks or NBFCs.
• Strong analytical and evaluation skills with market intelligence.
• Ability to coordinate with multiple functions and manage vendors.

Responsibilities

• Prepare and review city-specific process notes and mitigants for policy.
• Vendor empanelment and periodic reviews across zones; monitor TAT.
• Carry out periodic audits of vendors and valuations; hind-sight and alignment with policy.

Skills

Analytical skills

Evaluation skills

Detail orientation

Decision making

Initiative

Target orientation

Market intelligence

Education

Civil Engineering degree

Job description

Job Purpose

To contribute to 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.

Job Context & Major Challenges

Organizational Context

Key Aspects

Part of the Aditya Birla Capital Limited, Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans.

ABHFL has grown at a steady rate while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of segments like Affordable and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market. and is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country.

Key Aspects

The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health.

While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution.

The role of Team Member - Technical is an integral part of the Risk & compliance & is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property & 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. He is also responsible for providing 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 has to 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.

Key Challenges

• Cross functional coordination to enable timely approval of proposals
• Regular updation on changing economic & Industry scenario.
• Monitoring TAT of valuations.
• Customer Satisfaction: Internal as well as external customer satisfaction.
• Vendor Management: Seamless co-ordination with external entities.

Enabling Skill Sets & Qualifications

The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision-making skills, initiative & target orientation & market intelligence developed through a strong industry network.

The education & experience required to fulfil this profile are a Civil Engineer with minimum 5 to 8 years of experience. Total experience should be of good mix of construction as well as valuation. Valuation experience with Banks or NBFCs is preferable.

Key Result Areas

KRA (Accountabilities) (Max 1325 Characters)

KRA1 Preparing the Policy & Processes 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.

KRA2 Complete Vendor Management Vendor Empanelment for respective zones

• Periodical review of the vendors for respective zones
• Regular monitoring of TAT
• Resolving valuation specific queries from respective zones

KRA3 Responsible for Audit & Hindsighting Carrying out periodical audits of vendors for respective zones

• Carrying out monthly audit for sampled valuations, lease rentals for respective zones/locations.