Technical Manager

Technical Manager-Secured Credit Technical

Multiple locations

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  This role is accountable to monitor 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.

• 
  600 Cr – asset Portfolio at PAN India level to be managed
• Implement Micro LAP and scale up underwriting of secured & unsecured Agri products

• 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.

• 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.

• 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.

• 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.

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  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.