Position Description
JOB TITLE : Technical Manager

GRADE : M

DEPARTMENT : Credit
LOCATION : Branch
SUB-DEPARTMENT : Housing
TYPE OF POSITION : Full-time
REPORTS TO : Area Technical Manager

REPORTING INTO

~ ROLE PURPOSE & OBJECTIVE

This role is accountable to m onitor the Technical evaluation of home loans, MLAP carried out by Technical vendors and responsible for the valuations carried by in house technical team.
The role incumbent is responsible for evaluating, verifying and approving the tranche of the loan amount.
Oversees empanelment and assessment of the technical vendors across the region.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

600 Cr – asset Portfolio at PAN India level to be managed
Implement Micro LAP and scale up underwriting of secured & unsecured Agri products
All fintech partners, technical vendors and BCs associated/ to be associated with Rural banking
Manager credit function for all RB products across regions
Manage monthly disbursement of 60 Cr (Over 100Cr Projected)
12,000 Credit files processed in a month

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business
Works closely with the underwriting head at the location/ regions, Head office and develops robust technical evaluation norms.
Monitors the technical evaluation process across region.
Directly carries out the technical evaluation process on a need basis.
Responsible for empanelment of Technical vendor
Manages the vendors and in-house technical team involved in the technical evaluation process.
Carries out spot checks on a frequent basis.
Maintains and publishes MISs related to the technical evaluation.
Monitors handling of fraud cases on the technical front i.e. identification, handling, reporting and facilitates closure as per the action decided.




Maintains quality of Report on cost estimation, property identification & cost calculation, recommendation as per policy etc.
Oversees Loan Utilization check
Monitoring customer's work & guiding customers to complete work within estimated cost.
Establishes technical policy and practice of the valuation in purview of geography, town planning regulations, local practices etc.
Responsible for the technical survey of the new area, cluster in valuation terms and reports accordingly to the higher management.
Customer
Closely co-ordinates with sales and credit team on technical appraisal of customers
Works closely with the legal counterpart on the technical evaluation front.
SPOC for all technical vendors and responsible for the timely repayment of the valuation service taken by the organisation.
Responsible for the renewal and reinstate the charges for the valuation.
Internal Process
Responsible for evaluation of tranche payment, Approval and recommendation of the same as per DOA/process
Identifies risks related to technical / property and reports to Risk/credit for process/policy improvement. Need to work closing with Risk and Credit department.
Takes technical related initiatives to strengthen Products and Processes
Maintains TAT targets for the technical evaluation process.
Learning & Performance




Trains and evaluates the proficiency levels of the team on a regular basis.
Ensure adherence to training man-days/ mandatory training programs for self and reportees
Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
Qualifications
~ Diploma or BE in Civil Engineering or Architecture (B. Arch)

Experience
~ Minimum 3 years of experience

Certifications

~ NA

Functional Skills
Positive written and verbal communication skills in English and local language
Understands and executes the Procedure of estimating
Thorough knowledge of Methods of building estimates of residential projects, individual house and commercial properties.
Understanding of the Structural stability, impact of earthquake and other natural calamities on the residential/commercial projects-individual units.
Knowledge of local practices of the building structures across various localities.
Behavioral Skills
Team handling and conflict management skills
Leadership capabilities
Performance coaching.
Maintains positive working relationships.
Is flexible and willing to cooperate with others.
Demonstrates ability to listen and understand.
Competencies
Planning and Organizing
Execution
Collaboration

~ KEY INTERACTIONS

INTERNAL

EXTERNAL

Credit officers, CCM, ACM Loan officers, RM, CM, AM, RBM Operations FCU manager, Products, Auditors Legal advisors Accounts officers, Mangers Technical Vendors Customers Local bodies/Town planning authority PREPARED BY : Credit Housing DATE : 30 th January 2024 REVIEWED BY : Anand Devata DATE : 30 th January 2024 LAST UPDATED BY : TM Team DATE : 30 th January 2024

📌 Technical Manager (full-time) (Thane)
🏢 Ujjivan Financial Services
📍 Thane