To lead and manage technical and property valuation activities across the assigned zone, ensuring accurate property assessment, legal and technical compliance, effective collateral risk management, and timely completion of technical evaluations for housing loans and other secured lending products.

The role is responsible for maintaining technical quality, managing the empanelled technical valuer network, ensuring adherence to company policies and applicable regulatory guidelines, and supporting business growth while safeguarding the company's credit portfolio.

- Oversee technical evaluations and property valuations for home loans, loan against property (LAP), construction finance, and other secured lending products.
- Review property valuation reports, market value assessments, realizable value, distress sale value, and construction cost estimates.
- Ensure proper assessment of land ownership boundaries, plot dimensions, property measurements, access roads, and physical possession, as applicable.
- Evaluate the stage of construction, quality of construction, age of property, structural condition, and estimated cost of completion.
- Assess deviations from approved building plans, applicable local development regulations, and sanctioned layouts.
- Identify technical risks, unauthorized construction, encroachments, title-related property discrepancies, and other collateral-related concerns, referring legal matters to the Legal Department.
- Recommend suitable mitigations or escalate cases with material technical deviations as per the company's delegation of authority.
- Manage and monitor technical operations across all branches in the assigned zone.
- Ensure timely allocation,



inspection, review, and submission of technical reports within prescribed turnaround times (TAT).
- Monitor pending cases, re-inspections, technical queries, and valuation discrepancies.
- Ensure consistency in property valuation practices and technical assessment standards across branches.
- Conduct site visits and independent reviews for high-value, complex, or exceptional cases.
- Support branches in resolving technical issues affecting loan approvals and disbursements.
- Identify, evaluate, and recommend qualified technical valuers for empanelment.
- Monitor the performance, report quality, turnaround time, and compliance of empanelled valuers.
- Conduct periodic audits and sample checks of valuation reports and site inspections.
- Investigate material valuation variations, suspected collusion, conflicts of interest, and deviations from company policy.
- Recommend corrective action, retraining, suspension, or removal of valuers in accordance with company policy.
- Maintain an updated panel of approved valuers and ensure appropriate geographical coverage.

Educational Qualifications

- Bachelor's degree in Civil Engineering is preferred.
- B.E./B.Tech in Civil Engineering or an equivalent relevant qualification.




- Postgraduate qualifications in construction management, valuation, or real estate may be an advantage.
- Relevant skilled valuation credentials, where applicable to the role and assigned responsibilities, are desirable.

Experience

- Typically 12-15 years of relevant experience in property valuation, technical appraisal, real estate, construction, or housing finance.
- Prior experience in a housing finance company, bank, NBFC, or secured lending institution is preferred.
- Experience managing technical operations across multiple branches or a geographical zone is desirable.
- Demonstrated experience in property valuation, construction assessment, technical audits, and collateral risk management.
- Prior team management and empanelled valuer management experience is preferred.

Required Skills & Competencies

- Strong knowledge of property valuation and civil construction.
- Understanding of building plans, construction estimates, structural basics, and local development regulations.
- Knowledge of property market assessment and collateral risk evaluation.
- Understanding of housing finance products, LAP, and secured lending processes.
- Analytical skills and sound technical judgment.
- Ability to identify technical discrepancies and potential fraud indicators.
- Strong leadership, team management, and stakeholder coordination skills.
- Proficiency in MS Excel, technical MIS, and loan origination or valuation systems.
- Effective written and verbal communication.
- Willingness to travel across the assigned zone.

Interested candidates can share their profile to [email protected]

📌 Zonal Manager Technical (Hyderabad)
🏢 Hinduja Housing Finance
📍 Hyderabad