Copilot said:
Job Description – 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 adde

📌 TM - Credit Technical - Tirupati
🏢 Financial services
📍 Tirupati