Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Services

Unit

Aditya Birla Finance Ltd.

Location

Mumbai

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job

Technical Manager

Reports to: Poornata Position Title

Zonal Technical Manager

Function

Risk, Management & Compliance

Reports to: Function

Risk, Management & Compliance

Department

Risk & Legal & Collections

Reports to: Department

Risk & Legal & Collections

Designation of the Employee:

Area Legal Manager

Manager's Designation:

Regional Legal Manager

Date of writing/ Updation of JD

30 Jan 2023

Business
Financial Services

Unit
Aditya Birla Finance Ltd.

Location
Mumbai

Poornata Position Number of the Job
TBD

Reports to: Poornata Position Number
TBD

Poornata Position Title of the Job
Area Technical Manager

Reports to: Poornata Position Title
Regional Technical Manager

Function
Risk Management & Credit

Reports to: Function
Risk Management & Credit

Department
Credit Risk - Technical Evaluation

Reports to: Department
Credit Risk - Technical Evaluation

Designation of Employee
Area Technical Manager

Manager's Designation
Regional Technical Manager

Date of Writing/Updation of JD
01 June 2026

1) Job Purpose

To support the Credit function by conducting technical due diligence and valuation assessment of collateral properties across retail, SME, LAP and developer finance portfolios. The role ensures accurate evaluation of property risks, compliance with technical underwriting standards, validation of construction progress, and mitigation of credit losses arising from inadequate collateral assessment.

2) Dimensions

Skills

• Strong knowledge of civil engineering and construction practices.

• Expertise in property valuation methodologies and technical appraisal.

• Knowledge of municipal approvals, RERA, building bye-laws and land regulations.

• Ability to assess legal-technical deviations and construction risks.

• Understanding of retail, LAP, SME and mortgage lending products.

• Strong analytical, report writing and stakeholder management skills.

• Proficiency in technical audit, vendor management and MIS reporting.

Scope

• Managing technical assessments across assigned geography.

• Evaluation of retail, SME, LAP, affordable housing and developer finance proposals.

• Monitoring empanelled technical vendors and valuation agencies.

• Conducting site inspections and portfolio quality reviews.

• Supporting technical policy adherence and risk mitigation.

3) Job Context & Major Challenges

Organization Context

Aditya Birla Finance Limited (ABFL) is a lending subsidiary of Aditya Birla Capital Limited and one of India's leading diversified NBFCs. ABFL offers a wide range of lending products across Retail, SME, Mid-Market and Corporate segments through an extensive branch network and digital channels.

The Credit Risk function plays a critical role in ensuring prudent underwriting and safeguarding asset quality. Within Credit Risk, the Technical Evaluation team assesses collateral adequacy, construction quality, marketability and technical compliance of properties offered as security.

Job Context

The Area Technical Manager is responsible for conducting and overseeing technical due diligence of properties proposed as collateral. The role involves property inspection, valuation review, verification of approvals, construction assessment and risk identification. The incumbent works closely with Credit, Legal, Sales, Collections and external technical agencies to ensure timely and quality decision-making.

The position is critical in protecting the organization against collateral-related risks, valuation inflation, fraud and construction-related issues that may impact recoverability.

Major Challenges

• Assessing diverse property types across multiple geographies.

• Identifying hidden construction and structural risks.

• Ensuring consistency in valuation practices across vendors.

• Managing turnaround time while maintaining quality standards.

• Keeping abreast of changing municipal regulations and RERA requirements.

• Detecting fraudulent documentation and inflated valuations.

• Balancing business growth requirements with prudent risk management.

• Monitoring technical portfolio quality in volatile real estate markets.

4) Key Result Areas

5) Job Purpose of Direct Reports

Technical Manager

To perform property inspections, technical appraisal, valuation reviews, documentation verification and preparation of technical reports for credit assessment.

Technical Officer

To coordinate site visits, collect property documents, support technical verification activities, maintain MIS and assist in audit and compliance requirements.

6) Relationships

Internal

External

7) Organizational Relationships

National Technical Head

Regional Technical Manager

Area Technical Manager

Technical Manager(s)

Technical Officer(s)

SIGN-OFF

Job Holder

Name: ______________________

Date of Entry / Approval: ______________________

Reports To (Manager)