Technical Manager_Credit_Bilaspur

Birla Carbon; Bilaspur District; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

Birla Carbon is seeking a Technical Manager in Bilaspur to oversee mortgage risk management by evaluating properties held as security and ensuring compliance with technical standards. This role includes managing vendor relationships and developing processes for effective technical evaluations.

The ideal candidate should have experience in mortgage risk management and be adept at coordinating with external agencies. This position requires strong analytical skills and the ability to develop management information systems (MIS) for tracking portfolio quality.

Qualifications

• Experience in mortgage risk management and evaluating properties held as security.
• Knowledge of regulatory compliance in real estate valuation.
• Ability to manage technical vendors and oversee quality reports.

Responsibilities

• Develop and monitor mortgage risk management procedures.
• Prepare and review technical process notes and policies.
• Coordinate with external valuation agencies and ensure compliance.

Skills

Mortgage risk management

Technical evaluations

Vendor management

MIS development

Compliance with regulations

Job description

Technical Manager – Credit Bilaspur

Reports to: Head – Risk – Retail

Job Purpose

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.

Key Result Areas

• Policy & Process – Preparing & reviewing city specific process notes; inputs for updating technical policy, vendor management policy, audit policy; periodic 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 in‑house technical team.
• Identify projects for which home loans may be approved on an expedited basis to reduce the turnaround 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 organisational policies.
• Appraise senior management of any amendments in development control regulations affecting the real‑estate sector and their effects on business.
• Audit & hindsighting – 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; prepare regular MIS for areas under risk management and give presentations 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.

Relationships

• Internal – Zonal Technical, Head Technical, Regional Credit Manager (Mortgages/HFC/CF) – Daily, need based.
• External – Clients, Regulatory authorities – Need based, daily/weekly.