Technical Manager

Role overview

This position supports mortgage risk management by assessing properties offered as collateral for mortgages, home loans, and construction finance. The role focuses on checking marketability, identifying and analysing risk factors, tracking portfolio behaviour and security quality through MIS, and managing technical vendors so that report quality and turnaround times remain on target.

Business and reporting structure

Business: Financial services

Unit: Aditya Birla Finance Ltd

Function: ABFL - Risk

Department: Technical

Reports to function: Head - Risk - Retail

Reports to position title: Regional Technical Manager

Position title: Technical Manager

Location: Poornata Position Number / Poornata Position Title references were listed in the source, with the job titled Technical Manager and associated with Nagpur, Maharashtra, India.

Job purpose

The role exists to strengthen credit decisions for real estate-backed lending by validating collateral quality, confirming compliance with internal and regulatory expectations, and sharing timely property-related insights with senior stakeholders. It also helps improve sanction turnaround by keeping technical processes and vendor activity efficient.

Key responsibilities

• Assess real estate properties offered as security for mortgages, LAP, home loans, and construction finance.
• Review valuation workflows carried out by external technical agencies and the internal technical team.
• Identify projects that can be approved through a faster home-loan process to reduce turnaround time.
• Create, maintain, and improve technical MIS and monitor technical activity across locations.
• Coordinate with valuation agencies to procure valuation reports, validate them, and record them in the technical database.
• Ensure that technical checks align with internal policies and applicable regulatory requirements.
• Keep senior management informed about changes in development control regulations and their effect on the business.
• Prepare and review city-specific process notes, including city-level deviations and mitigation measures.
• Share inputs for updates to technical policy, vendor management policy, and audit policy.
• Handle vendor empanelment for assigned locations and carry out periodic vendor reviews for the relevant zones.
• Track turnaround times and resolve valuation-related queries from locations.
• Conduct periodic audits of vendors for assigned locations.
• Perform monthly audits for sampled valuations and lease rentals.
• Build MIS to track TAT, price trends, valuer allocation percentage, and collateral score data.
• Prepare MIS reports and trend charts on portfolio progress, variances, and defaults across the loan life cycle, and present them to the team leader.
• Provide management inputs on property rates, demand-supply movements, statutory changes, and economic developments affecting real estate.
• Support decision-making by supplying real estate risk observations and portfolio quality updates.

Risk, context, and challenges

This role sits within Risk and Compliance and requires regular due diligence on underlying real estate security. A major part of the job is ensuring that collateral is acceptable under ABFL and RBI norms and remains compliant with local statutory rules. The position also demands continuous awareness of economic and sectoral developments, strong coordination with external vendors, and a focus on both internal and external customer satisfaction.

Relationships

Internal contacts include Zonal Technical, Head Technical, National Risk Head (Mortgages / HFC / CF), and Regional Credit Manager (Mortgages / HFC / CF). External interactions include clients, external vendors, and regulatory authorities. These relationships are used for MIS sharing, management escalation, loan recommendations, portfolio reviews, documentation audits, property and valuation issue resolution, and verification of statutory and compliance-related changes.

Dimensions

The source states the function workforce number as 14. Other workforce counts and quantitative parameters were not provided.

Direct reports

None stated.

Additional notes

The source also referenced organizational relationship sign-off requirements, including manager and job holder names, signatures for the hard copy of the JD, and maintenance of the hard copy in organizational records.

Date of writing/updation of JD was mentioned in the source, but no specific date was provided.

Business workforce number, unit workforce number, department workforce number, budgets, volumes, geography, markets, customers, and direct report details were not specified in the source.

Experience requirement, salary, stipend, perks, eligibility criteria, openings, and start date were not stated.

Job title in the source: Technical Manager - Nagpur.

Employment type: Full-time, onsite.

Location: Maharashtra, India.

Company: Aditya Birla Capital.