Position Description JOB TITLE : Area Technical Manager GRADE : AVP-I DEPARTMENT : Credit

LOCATION:
HO SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : National Manager – Technical – Secured Retail Assets REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE
• This role is accountable to monitor the Technical evaluation of home loans, LAP 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 organization.
• 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 5 to 6 years of experience Certifications
• NA Functional Skills
• Good 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 versatile 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 DATE: 18-08-2023 REVIEWED BY: Anand Devata DATE: 29-12-2023 LAST UPDATED BY : TM Team DATE: 01-02-2025

📌 Area Technical Manager-Secured Credit Technical (Ghaziabad)
🏢 Ujjivan Small Finance Bank
📍 Ghaziabad