Job Description:

RC - Technical Manager - Mortgages Credit
INTERNAL USAGE:
No. of Vacancies: Reports to: Zonal Credit Manager � Retail Credit
Is a Team leader? Team Size:
Grade: SM/AVP
Business: Department:� Sub-Department: Retail Credit
Location:
About Wholesale Credit
The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a valuable portfolio quality and for ensuring smooth credit appraisal processes
About the Role
The Legal & Technical Manager manages the valuation, under construction project approval (APF) and vendor management of the Retail Credit vertical for the designated area. The Legal & Technical Manager is responsible for smooth functioning of the property appraisal part and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank
Key Responsibilities

� Site visit for collateral properties on case to case basis having some critical observations in valuation report by vendor.

� Site visit to under construction projects received for APF approval to get the details about project progress, location, marketability of project, feedback about builder/project etc.

� Regular visits to CPC/ASC locations within the geography to resolve query of Sales/Credit team/TM of each location. Regular visit to vendor�s office.

� Due diligence of project approval sent in Pragati application & further recommendations in Pragati for approval to approving authority.

� Quarterly monitoring of progress of under construction projects approved in APF.





� Regular interaction with valuation agencies and brokers in different markets to get a sense on fair market values of properties in different geographies.

� Review of some sample valuation reports to have quality check of report in terms of reporting of deviations of construction norms as per local bye laws, sanction plan deviations, document due diligence, boundary and property area verification, demolition risk and any special comments made by the valuers in the valuation reports.

� Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking decisions on acceptance of collateral.

� Providing updates to Central Office about any changes required in Pragati application/existing process & real estate changes or development observed for geography.

� Training to Technical Managers, Sales /Credit Team about Pragati application & to keep them updated about recent updates about city specific changes in real estate market.

� Vendor Management including vendor empanelment, periodic review & training of vendors.

Qualifications

Optimal qualification for success on the job is:

� Bachelor Civil Engineering or Bachelor in Architecture.





� Experience of 6 to 8 years in property valuations and APF approval.

� Should have earlier efficiently managed a team of at least 1-2 people (optional)
Role Proficiencies:

For successful execution of the job, the candidate should possess:

� Knowledge of Real Estate market for the geography.

� In depth knowledge about valuation, process & norms affecting valuation.

� Knowledge about construction items and cost of each item.

� Knowledge of regulatory guidelines and norms, local byelaws related to real estate.

� Good communication (both verbal and written) skill in both English and the local language.

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 RC - Technical Manager - Mortgages Credit (Rohtak)
🏢 Axis Bank
📍 Rohtak