1 Job Purpose Write the purpose for which the job exists in 2-3 lines Zonal Technical Manager is responsible to assist National Technical Manager in risk management by ensuring that properties from his zone 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 behaviour 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 2 Dimensions Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job Business SBU Unit Revenue Business Workforce Number Unit Workforce Number Function Workforce Number Department Workforce Number Other Quantitative and Important Parameters for the job Budgets Volumes No of Products Geography Markets Customers or any other parameter 3 Job Context Major Challenges Write the specific aspects of the job that provide a challenge internal and external to the jobholder in the context of the Business Unit Function Department Section Part of the Aditya Birla Capital ABC Aditya Birla Housing Finance Limited ABHFL offers a complete range of housing finance solutions such as home loans home improvement and home construction loans balance transfer and top-up loans loans against property and construction finance ABHFL operates in the Rs 9 7 trillion Indian Housing Finance market which has grown at a steady rate of 19 CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment Key challenges for the role are as follows a Workplace The business environment is becoming volatile Defining and communicating acceptable risk at all level in complete and clear manner is difficult The interdependency of risk factor external internal events has increased which is making risk more volatile less Annexure I ABG Template HayGroup Template 2011 comprehensible a Managing Portfolio This position oversees all branches under the said zone He will be responsible for overall quality of portfolio for respective zone with the help of team of ATM RTM s reporting to this position b Market Dynamics With the dynamic market conditions changing regulatory aspects carrying out correct timely interpretation of the revised regulatory framework is crucial to proactively advise to amend business plans to achieve business objective c Managing NPA Developing effective credit lending norms balancing the risk and growth in business through constant engagement with the business maintaining market benchmarked turnaround time TATs strengthening policies risk mitigation systems for both secured unsecured portfolios to ensuring minimal NPAs while enabling the business to grow within the risk policy framework d Risk Management Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and devise plans to reduce exposure e Cross functional coordination To enable timely approval of proposals Regular updation on changing economic Industry scenario 4 Key Result Areas Accountabilities Write the key results expected from the job and the supporting actions for each of these key result areas For a majority of jobs typically there could be 4- 7 key result areas Key Result Areas Accountabilities Supporting Actions Development of policies and processes Prepare and review the overall technical policy for home loans and construction finance across India including city specific process notes to account for location-specific deviations and mitigants Develop vendor management and vendor audit processes to establish robust risk management systems Conduct Technical evaluations of property and contribute to the overall risk management Lead the valuation efforts for key real estate projects including evaluation of projects project lifecycles cost break-ups and techno-economic feasibility analysis Identify the risks and mitigants related to projects and check regulatory compliances with respect to permissions and developmental control regulations Create a real estate intelligence service for ABHFL with the objective of systematically collecting and analysing data on the particular target market Create and oversee the upkeep of a database containing information on projects zones prevailing market rates developers etc Prepare primary project feasibility reports for construction finance and debt syndication proposals Carry out technical evaluations of property held as Develop an efficient risk monitoring system by streamlining technical policies and processes including location-specific processes to identify city-specific deviations and mitigants Annexure I ABG Template HayGroup Template 2011 security Oversee the real estate valuation process for ABHFL to be carried out through external technical agencies as well as an in-house technical team Identify projects for which home loans may be approved on an expedited basis so as to reduce the turn-around-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 organizational policies Update senior management of any amendments in development control regulations affecting the real estate sector and their effects on business Monitor Business performance continuously from technical aspect Monitor the performance of business from a technical standpoint re- evaluating the valuations of security held monitoring project progress sales etc Alert senior management and the risk management team in the event of any deviations from risk management policies identify methods to mitigate these risk and report to management Provide support to construction finance RMs in monitoring overdue positions identify and recommend appropriate steps to support the recovery process for the same Vendor Management Empanelment of vendors across India to provide valuation services Carry out periodic reviews and audits both for vendors as well as in-house technical and valuation teams Development and upkeep of MIS for technical information Develop an MIS system to track APFs vendors advance disbursement and project status 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 CRO To prepare regular MIS for areas under risk management and give presentation to various stakeholders 5 Job Purpose of Direct Reports Describe the job purpose of the direct report s to the job in 2-3 lines for each report Direct Reports to this position are responsible to manage day to day business booked by all branches for respective state They will be responsible for technical vetting for all monthly cases all project approvals managing NPA collection cases for respective locations 6 Relationships Describe the nature and purpose of most important contacts or relationship except Annexure I ABG Template HayGroup Template 2011 superior team members with individuals departments organizations inside and outside of the organization that job is required to interact with in order to deliver the job objectives Relationship Type Frequency Nature Internal National Technical Manager Daily Need Based Nature and frequency MIS intimation in cases requiring management intervention- Daily weekly National Risk Head Mortgages HFC CF Need Based Recommendations on loans ongoing portfolio client reviews documentation audits- Risk Management Committee Need Based Portfolio reviews and portfolio development strategies External External Vendors Daily weekly Real Estate property issues valuation issues Due Diligence audit etc - Regulatory authorities Need Based Document verification changes in statutory norms 7 Organizational Relationships Provide the structure for a level above and below the position for which this job description is written Use position titles in the structured and indicate all the reports

📌 Aditya Birla Home Finance/ Zonal Technical Mgr / Mumbai
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📍 Mumbai