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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

- 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

- 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) Environment: 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

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Annexure I : ABG Template

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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 energetic 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.

- 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

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Annexure I : ABG Template

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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

- 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.

- Relationships: Describe the nature and purpose of most important contacts or relationship (except

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Annexure I : ABG Template

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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

- Organizational Relationships: Provide the structure for a level above and below the position for which this is written. Use position titles in the structured and indicate all the reports

📌 Aditya Birla Home Finance/ Zonal Technical Mgr / Mumbai
🏢 Acura Solution
📍 Mumbai