Technical Manager-Secured Credit Technical

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

• •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 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