Area Technical Manager

Role overview

This position sits within the risk and compliance function of Aditya Birla Housing Finance Limited, a part of Aditya Birla Capital. The company is a housing finance lender registered with the National Housing Bank and offers a broad suite of solutions including home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property, and construction finance. With a strong growth agenda, the business is aiming to scale significantly over the next five years.

The technical role supports underwriting by assessing real estate security, sharing property-level inputs for credit decisions, and helping leadership improve turnaround time across the sanction process. It also involves keeping management informed about regulatory changes, market-rate movements, demand-supply trends, and broader economic factors that affect real estate.

Job context

The risk team is responsible for core underwriting controls that support business quality, risk management, and long-term sustainability. Working in parallel with sales and sourcing teams, the function helps safeguard portfolio health while also contributing to evaluation of new products and market growth opportunities.

Key responsibilities

• Carry out due diligence on underlying real estate security and ensure all inputs needed for credit decisions are available to management.
• Track and manage turnaround time for valuation and related technical work.
• Share updates on statutory and regulatory changes affecting real estate assets.
• Monitor property-rate movements, supply-demand trends, and the impact of economic changes on the real estate market.
• Support leadership with technical inputs that improve decision-making and speed up sanctioning.
• Draft and revise city-wise process notes, including deviations and suitable mitigants.
• Contribute inputs for technical policy, vendor management policy, and audit policy updates.
• Handle vendor empanelment for assigned zones and review vendor performance periodically.
• Monitor TAT performance and resolve valuation-related queries from zones.
• Conduct periodic audits of vendors and monthly sample audits of valuations and lease rentals.
• Visit construction finance projects and assess their feasibility.
• Perform due diligence on project approvals and review all related compliance requirements.
• Analyze projects, including lifecycle, cost structure, and techno-economic feasibility.
• Prepare primary feasibility assessments for construction finance and debt syndication proposals.
• Assess construction finance project valuations and verify compliance with permissions and development control regulations.
• Create project lifecycle and milestone plans, then monitor project progress and end-use of funds on an ongoing basis.
• Prepare quarterly progress reports for construction finance projects.

Requirements

• Bachelor’s degree in Civil Engineering.
• 5 to 8 years of professional experience.
• A balanced background covering both construction and valuation work.
• Prior valuation experience with banks or NBFCs is preferred.
• Strong analytical thinking and sound evaluation capability.
• High attention to detail and good decision-making skills.
• Self-driven, target-oriented approach with strong initiative.
• Good market awareness and industry network.
• Ability to coordinate smoothly across functions and with external vendors.

Additional information

Location: Maharashtra, India

Company context: Aditya Birla Housing Finance Limited operates as a housing finance company under the National Housing Bank Act, 1987, and has been pursuing aggressive growth since obtaining its license on 9 July 2014.

Business outlook: The company has shown steady growth and maintained solid asset quality despite a challenging operating environment. It is targeting a 5X expansion to 40,000 crore over the next five years and aims to move into the top 5 percentile of housing finance companies in the country.

Key challenges: The role requires strong coordination across teams to support timely approvals, continuous awareness of economic and industry shifts, tight monitoring of valuation turnaround times, strong internal and external stakeholder satisfaction, and effective management of external vendors.

KRA 1: Prepare and review policy and process documents, including city-specific notes and updates to technical, vendor management, and audit policies.

KRA 2: Lead vendor management activities such as empanelment, periodic review, TAT monitoring, and resolution of technical queries.

KRA 3: Own audit and hindsight activities, including periodic vendor audits and monthly sample audits for valuations and lease rentals.

KRA 4: Evaluate construction finance projects through site visits, approval checks, feasibility studies, project lifecycle planning, regulatory compliance review, progress tracking, and quarterly reporting.

Openings: Not specified

Application details: Not provided

Source notes: The original posting also included internal labels such as job purpose, job context, major challenges, and key result areas, which have been consolidated here.