Job Purpose

Real Estate property is the underlying security for any secured mortgage based funding. Hence it becomes imperative to have underlying security to be legally, technically explicit fundable. Important aspects of real estate properties are valuation, compliances w. r. t. statutory permissions, physical condition. This can be done through approved valuers as well as inhouse technical team.

This position is required to cater different businesses for Aditya Birla Fice Ltd. which majorly includes:
1. Construction Fice business
2. High Value Mortgage business
3. Retail Mortgage business
4Home Loansincluding Affordable Housing.
Corporate Fice Group
Any other division under Aditya Birla Fice Limited which deals with real estate related fice.

Job Context Major Challenges

Job Context/Job Challenges:

As the debt arm of Aditya Birla Ficial Services Group (ABFSG), Aditya Birla Fice Limited (ABFL) offers specialized lending and ficing solutions in the areas of Capital Markets, Corporate/ Trade Fice, Commercial Real Estate and Mortgages. Currently ranked within the top 10 NBFCs A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a welldiversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y. o. y cumulative growth of 50% in both topline and bottom line, sustainable profitability continues to be the key management agenda. The company has a welldefined vision of being one of the most reputed and material ficiers within the lending spacespread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only ficial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a onewindow shop for all their ficing needs.

This profile would require an understanding of following types of properties:
Residential Propertyunder construction completed.
Commercial Propertyunder construction completed.




Industrial Property including Warehouses
Specific usage propertiesschools, hospitals, hotels etc.
Commercial Real Estate ProjectsResidential, Commercial, Retail Mixed development.

The role also requires an understanding of following types of transactions:
Home LoansBuilder purchase,
Loan Against Property
Lease Rental Discounting
Construction Fice

The major challenges to this profile include:

Cross functional coordination to enable timely approval of proposals
Regular updation on changing economic Industry scenario.
Indepth and extensive knowledge on each of the micro market.
Monitoring TAT of valuations.
Customer Satisfaction: Internal as well as external customer satisfaction.
Vendor Management: Seamless coordination with external entities.
Team management.

The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation decision making skills, initiative target orientation market intelligence developed through a strong industry network. The education experience required to fulfil this profile are a Civil Engineer with minimum 8 to 10 years of experience. Total experience should be of good mix of construction as well as valuation. Valuation experience with Banks or NBFCs is preferable.

Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Policy Process Preparing review City Specific Process notes which can cater city specific deviations mitigants for the same.
Inputs for updating technical policy, Vendor management Policy, Audit policy. KRA2 Vendor Management Vendor Empanelment for respective zones
Periodical review of the vendors for respective zones.
Monitoring TAT
Resolving valuation specific queries from respective zones.



KRA3 Audit Hind sighting Carrying out periodical audits of vendors for respective zones. Carrying out monthly audit for sampled valuations, lease rentals for respective zones/locations. KRA4 Construction Fice Visiting Construction Fice projects.
Due diligence of all project approvals.
Project analysis including evaluation of projects, project lifecycles, cost breakups Techno economic feasibility analysis.
Preparation of primary Project Feasibility analysis for Construction fice / Debt Syndication proposals.
Valuation of Construction Fice Projects, checking regulatory compliances w. r. t. permissions Development Control Regulations of authorities.
Preparing project life cycles Milestones.
Monitoring periodically the progress of projects end use of funds for all construction fice cases.
Quarterly progress report for construction fice projects. KRA5 Mortgages / Home Loans / CFG/CMG Checking validating valuation reports given by valuation agencies.
Setting up of city specific process notes to identify city specific deviations providing solutions for the same.
Ensuring compliance with technical norms for the area in line with those set out as per the process.
Timely collection and updating the amendments in development control regulations affecting real estate sector. KRA6 Approved Project Facility Getting project reports from valuation agencies.
Periodical maintece circulation of MIS for APF projects.
Periodical monitoring of all APF projects updating the management about progress KRA7 Portfolio Analysis Revaluation of portfolio as per approved revaluation policy.
Monthly sampling audit for valuation reports.
Any other type of analysis KRA8 Database / MIS Management MIS for respective Zones
MIS for APF (Monthly)
MIS for vendor (HalfYearly)
MIS for Advance Disbursement Facility cases (Monthly)
MIS for delay in disbursement for underconstruction cases (HalfYearly)
MIS for progress for construction fice projects (Quarterly)

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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