Copilot said:

- Technical Manager, SME Business

Location: Tirupati

Function: SME Lending / Credit

Department: SME Business

Job Purpose

The Technical Manager will be responsible for conducting technical due diligence and property assessments for SME loan proposals. The role involves evaluating collateral security, verifying property-related documents, assessing asset quality, and providing technical recommendations to support informed credit decisions while ensuring compliance with organizational policies and regulatory requirements.

Key Responsibilities

- Conduct technical evaluations of residential, commercial, industrial, and mixed-use properties offered as collateral for SME loans.
- Verify property measurements, construction quality, marketability, accessibility, and legal boundaries.
- Assess the fair market value, distress sale value, and realizable value of collateral properties.
- Scrutinize approved building plans, occupancy certificates, approvals, and other technical documents.
- Identify risks relating to property ownership, encroachments, deviations, litigation, and construction quality.
- Prepare detailed technical evaluation reports within defined turnaround timelines.
- Coordinate with business, credit, legal, and operations teams for smooth processing of loan proposals.
- Empanel and manage external valuers and technical agencies, ensuring adherence to prescribed standards.
- Conduct periodic collateral inspections, post-disbursement visits, and monitoring of high-value cases.
- Ensure compliance with internal policies, audit requirements, and regulatory guidelines.




- Support branch and sales teams by providing technical guidance on collateral acceptance criteria.
- Maintain accurate records and MIS related to technical evaluations and property assessments.

Eligibility Criteria

Education

- B.E./B.Tech in Civil Engineering or Diploma in Civil Engineering.
- Additional certifications in valuation or property assessment will be an added advantage.

Experience

- 4 to 8 years of experience in technical evaluation, property valuation, mortgage underwriting, or secured lending.
- Experience in SME, LAP, Housing Finance, Gold Loan, or Banking/NBFC sectors preferred.
- Familiarity with property laws, municipal approvals, and valuation methodologies.

Key Skills

- Property Valuation
- Technical Due Diligence
- Collateral Assessment
- Mortgage Lending
- Risk Assessment
- Credit Understanding
- Stakeholder Management
- Report Writing
- Regulatory Compliance
- MS Office & Technical Documentation

Key Competencies

- Analytical and problem-solving ability
- Attention to detail
- Decision-making capability
- Strong communication and coordination skills
- Customer-centric approach
- High level of integrity and compliance orientation

Reporting To

Cluster Technical Head / Regional Technical Manager

Preferred Candidate Profile

- Solid understanding of local real estate markets across Tirupati and surrounding regions.
- Ability to manage multiple property evaluations within stringent timelines.
- Experience in handling secured lending products such as SME Loans, LAP, and Mortgage Loans.

📌 TM - Credit Technical - Tirupati
🏢 Aditya Birla Group
📍 Tirupati