Job Description

1) Job Purpose:Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

The Area Technical Manager role is to contribute to mortgage risk management by ensuring that properties held as security for mortgages, home Loans and construction Finance are marketable and identifying and evaluating associated risks, to prepare and monitor the MIS for capturing the behavior of the portfolio and the quality of security and to effectively monitor the technical vendors to ensure that the quality of technical reports and TATs are adhered to.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Business Workforce Number
(Max 254 Characters)

62

Direct Reportees

Geography

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Parameters	Measurement Unit	FY 24-25	FY 25-26
Actual	Proposed
Disbursement	Amt in Cr	STSL, MLAP - 5000 SME, Insti, SEG - 20000 CF - 7472 MEG- 15000 LCMM - 9000	STSL, MLAP - 10000 SME, Insti, SEG - 25000 CF - 10000 MEG - 17000 LCMM - 10000
No of Locations/Branches	Count	449	500
No of Valuations	Amt in Cr	STSL - 16361 MLAP - 9251 SME - 17981 Insti - 1456 CF - 158 MEG - 2416 SEG - 4798 LCMM - 148	STSL - 19000 MLAP - 12000 SME - 22000 Insti - 1800 CF - 200 MEG - 2700 SEG - 5000 LCMM - 170
Valuation Agencies	Amt in Cr	300	400

3) Job Context & Major Challenges:Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section(Max 3975 Characters)

Organization Context:

Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Mar'25, ABCL has a pan-India presence with 450 branches and a lending book of Rs. 1.2 Lack Crores.

ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated AAA by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context:

The Credit Function at ABCL plays a pivotal role in enabling responsible retail lending across a vast and diverse geographical footprint. With over 420 branches covering 12,500+ pincodes, the team supports exponential customer growth driven by both direct channels and lending service partnerships. This expansion demands robust credit evaluation and risk management capabilities. To meet the scale and speed of operations, the department has embraced advanced technology, including new APIs, STPs, Go-No-Go frameworks, and BREs under the Lentra Revamp Project, enabling faster turnaround and data-driven decisions. Analytics and data science are deeply embedded in underwriting, leveraging predictive models based on personal, financial, demographic, and bureau data.

The Credit team also supports digital sourcing, especially in Supply Chain Finance, and is aligned with ABFL's strategy to penetrate Tier 3 to Tier 5 cities, ensuring financial inclusion. With new growth areas like Education Loans and Two-Wheeler Financing, the function is central to ABFL's mission of expanding its retail loan bouquet across India's urban and emerging markets.

As part of a top-tier NBFC with AAA credit ratings and 1.30 lakh crore AUM, the Credit Function must navigate regulatory changes, manage credit costs, and maintain portfolio quality while supporting the company's role in India's journey toward a USD 5 trillion economy. The role demands collaboration across Sales, Risk, and Operations to ensure efficient credit delivery and sound portfolio management

Job Context

Area Technical Managerrole is an integral part of the Risk & compliance & is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property and ensure that all information required to take a credit decision w.r.t. real estate property be provided to higher management. He is also responsible for maintaining TAT. The key aspect of due diligence is that underlying security i.e. real estate properties are compliant with local statutory norms & regulations & falls under acceptable norms as per ABCL as well as RBI. He is also responsible for providing and keeping updates about changes happening in statutory rules & regulations related real estate properties, real estate property rate movements, demand-supply analysis, impacts of economic changes on real estate property etc. In all he has to provide inputs related to real estate property to higher management which will help them in decision making to improvise TATs of the overall sanction process.

Challenges

The major challenges to this profile include

Cross functional coordination to enable timely approval of proposals
Self updation on economic / sectoral changes in the economy
Improvising on TAT
Customer Satisfaction: Internal as well as external customer satisfaction.
Vendor Management: Seamless co-ordination with external entities.

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 7 - 10 yrs of experience. Total experience should be of good mix of construction as well as valuation. Valuation experience with Banks or NBFCs is preferably.

4) Key Result Areas:Writethe key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)-Maximum 10 KRAs can be updated
Key Result Areas	Supporting Actions
Collateral risk management	Valuer appraisals- Monthly, work allocation monitoring & Cross audit of valuations. Formulating collateral notes with respect to Non-standard collaterals across various locations. Collateral deviations-,new location review, new valuer reviews,loss on property sale- Monitoring & Controls Price monitoring /publishing of price trends across various locations & Revaluation of NPA Location/ Branch visits Collateral Revaluations- Monthly monitoring and conducting revaluations for the cases due as per collateral sop. Trainings- To Risk / Business & Valuers
Customer perspective	Improvement in Valuation TAT- Fast tracking of valuations
Process efficiency perspective	AI / Process automation initiatives / Project participation by self / Team trainings
Audit & Hind sighting	Carrying out periodical audits of vendors for respective locations Carrying out monthly audit for sampled valuations, lease rentals for respective locations.
Oversee the development and upkeep of an MIS for technical information To prepare regular MIS for areas under risk management and give presentation to various stakeholders	Develop an MIS system to track TAT, price trends , valuer allocation %, collateral score data. Prepare MIS reports and trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle and present them to the team leader.

5) Job Purpose of Direct Reports:Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Technical Manager (TM):
Responsible for supervising technical evaluations and vendor coordination within a specific cluster or region, ensuring timely and accurate property assessments aligned with internal policies and credit requirements.

6) Relationships:Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives
Relationship Type	Frequency	Nature
Internal
Chief Credit Officer National Credit Head & Zonal Credit Manager Zonal & Regional Technical Manager	Need Based Weekly Daily	Chief Credit Officer: Engages occasionally for high-level discussions, escalated matters, and strategic alignment between technical and credit functions. National Credit Head & Zonal Credit Managers: Collaborates frequently to ensure technical assessments support credit decisions, resolve operational issues, and maintain turnaround timelines. Zonal and Regional Technical Managers: Collaborate to review operational updates, resolve escalations, monitor vendor performance, and ensure alignment with national technical standards and strategic priorities.
External
Clients External Vendors Regulatory authorities	Need based Need Based Need Based	Documentation, intimation in case of shortfall Real Estate property issues, valuation issues, audit etc. Document verification, changes in statutory norms

Area Technical Manager - Jaipur