About Credit Saison IndiaEstablished in 2019, Credit Saison India (CS India) is one of the countrys fastest-growing Non-Bank Financial Company (NBFC) lenders, with a mission to meet Indias huge gap for credit among underserved segments. Registered with the Reserve Bank of India (RBI) and boasting an AAA rating from CRISIL and CARE Ratings, CS India operates a tech-enabled model facilitating lending at scale. With a branch network of 80+ physical offices, 2.06 million active loans, and an AUM of over US$2B, we are committed to being a transformative partner for MSMEs, households, and individuals. It ensures that aggressive financial inclusion is supported by asset-quality safeguards, protecting the institutions capital and reputation as it scales further. nnPosition PurposeThe National Technical Manager is responsible for developing and implementing the technical valuation framework across the organization to ensure accurate property valuation, legal compliance, risk mitigation, and standardization of technical processes. The role is critical in maintaining portfolio quality while supporting business growth through timely and consistent technical assessments across our expanding pan-India network. Standardized technical assessments directly mitigate the risk of Non-Performing Assets (NPAs) by ensuring that loan values are tied to verified, high-quality collateral rather than market speculation. This rigor is the primary driver behind maintaining a low-risk profile, which in turn sustains the organizations prestigious AAA rating. Executing this vision requires a sophisticated governance structure capable of translating high-level policy into field-level execution.nnKey Responsibilities1.



Technical Policy u0026 GovernancennDefining technical eligibility is the first line of defence in mitigating collateral risk within the Home Loan and Loan Against Property (LAP) segments. By setting explicit benchmarks, CS India ensures that the collateral remains marketable and legally enforceable throughout the loan tenure. Acceptable standards must be categorized to address the unique risks of different lending segments:nnAffordable and Prime LAP: Focused on building age, structural stability, and resale marketability.nnHome Loans/Affordable Housing: Emphasizing NHB compliance and the structural integrity of residential units.nnMSME-linked Collateral: Specialized assessment of industrial sheds, mixed-use properties, and commercial viability, which carry distinct risks compared to residential assets.nnCommercial Property: Evaluating industrial construction standards and occupancy potential. Technical Risk Guidelines must be developed to address:nnStructural Integrity: Verifying building materials and age to ensure the property outlasts the loan tenure.nnLegal u0026 Municipal Alignment: Strict adherence to RERA provisions and local building codes to prevent demolition or legal stay orders.nnProduct-Specific Risks: Differentiating risk parameters (e.g., higher depreciation for industrial MSME sheds vs. prime residential).nnCompliance Benchmarks: Define acceptable construction and property standards. Serving as a "Go/No-Go" checklist for field teams, ensuring transparency in property selection.



These standards establish the benchmarks that both internal teams and external partners must satisfy during the appraisal process. nnStandardize valuation methodologies across all regions, as well as prepare technical risk guidelines for various products, and introduce best industry practices and regulatory requirements.nn2. Vendor ManagementnnOutsourced valuations present inherent strategic risks, including potential collusion, valuation inflation, and operational delays. A rigorous vendor governance lifecycle is required to ensure external agencies operate with the same integrity as internal staff. The end-to-end Vendor Management process includes:nnEmpanel and onboard technical valuers nationwide, based on capability, reputation, and regional expertise, with their comprehensive background checks and performance history.nnNegotiate commercial terms with valuation agencies, and align fees with quality and turnaround expectations.nnConduct due diligence and periodic performance reviews. Quarterly cycles to monitor accuracy, compliance and TAT. nnHaving a process of identifying and systematic purging of underperformers; vendors who fail to meet accuracy benchmarks or exhibit unethical behavior are blacklisted to protect the lending lifecycle from fraudulent or incompetent reporting. nn3. Technical Appraisal u0026 Due DiligencennConsistency in methodology prevents property valuations from being skewed by temporary market bubbles. For high-value and complex proposals, the framework mandates an escalation matrix to ensure that senior technical leadership reviews exceptional cases. Details for the critical risk factors validated during the appraisal process are: Appraisal Component, Critical Risk Factor to Validate, Property Eligibility, Boundary

📌 National Technical Manager - LAP (Mumbai)
🏢 KISETSU SAISON FINANCE (INDIA) PRIVATE
📍 Mumbai