Technical Manager-Secured Credit Technical

Ujjivan Small Finance Bank Ltd.; Vellore; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Technical Manager for the Housing sub-department in the Credit function. Based at the branch, you will oversee technical evaluations, vendor empanelment, and loan tranche approvals to ensure compliant, timely disbursements.

You will lead a team, coordinate with underwriting and risk, and drive MIS reporting and process improvements across regions. A relevant engineering background and hands-on experience are required.

Qualifications

• Diploma or BE in Civil Engineering or Architecture (B. Arch) is required.
• Minimum 3 years of experience in a related role or field.

Responsibilities

• Monitors the technical evaluation of home loans and MLAP carried out by Technical vendors and in-house team.
• Evaluates, verifies and approves loan tranche amounts.
• Oversees empanelment and assessment of technical vendors across the region.
• Maintains MIS related to the technical evaluation and ensures timely reporting.

Skills

Civil Engineering

Architecture

English & local language

Education

Diploma or BE in Civil Engineering or Architecture (B. Arch)

Job description

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 INTO

ROLE PURPOSE & OBJECTIVE

• This role is accountable to m onitor 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 SIZE

• 600 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

• 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
• Qualifications
• Diploma or BE in Civil Engineering or Architecture (B. Arch)
• Experience
• Minimum 3 years of experience
• Certifications
• NA

Functional Skills

• Good 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 Skills

• Team 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
• Collaboration

KEY INTERACTIONS

• INTERNAL
• EXTERNAL
• Credit 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 : 30 th January 2024

REVIEWED BY : Anand Devata

DATE : 30 th January 2024

LAST UPDATED BY : TM Team

DATE : 30 th January 2024