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
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.
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.
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.
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.
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.
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.
Key Result Areas
Supporting Actions
Technical Due Diligence
Conduct site inspections, verify construction quality, assess property condition and identify technical risks.
Property Valuation Review
Review valuation reports, validate market values, challenge discrepancies and ensure adherence to valuation standards.
Verification of Approvals
Verify sanctioned plans, building permissions, occupancy certificates, RERA registrations and other statutory approvals.
Credit Support
Provide technical recommendations and risk assessment inputs to Credit teams for underwriting decisions.
Vendor Management
Manage empanelled technical agencies and valuers, monitor performance, quality and turnaround times.
Portfolio Monitoring
Conduct periodic audits of sanctioned cases and identify emerging technical risks within the portfolio.
Fraud Risk Mitigation
Identify red flags relating to title, construction, valuation manipulation and property duplication.
Process Compliance
Ensure adherence to technical policies, SOPs, audit requirements and regulatory guidelines.
Stakeholder Coordination
Coordinate with Credit, Legal, Sales, Operations and Collections teams for resolution of technical issues.
MIS & Reporting
Prepare technical MIS, audit reports, exception tracking and management dashboards.
To perform property inspections, technical appraisal, valuation reviews, documentation verification and preparation of technical reports for credit assessment.
To coordinate site visits, collect property documents, support technical verification activities, maintain MIS and assist in audit and compliance requirements.
Relationship Type
Frequency
Nature
Regional Credit Manager
Daily
Credit decision support and risk discussions
Sales Teams
Daily
Site visit planning and proposal clarification
Legal Team
Need Based
Resolution of legal-technical issues
Operations Team
Need Based
Documentation and process coordination
Collections Team
Need Based
Property status validation and recovery support
Relationship Type
Frequency
Nature
Technical Agencies
Daily
Property inspection and valuation coordination
Valuers
Frequent
Valuation review and clarification
Builders/Developers
Need Based
Project approvals and construction updates
Municipal Authorities
Need Based
Verification of statutory approvals
RERA Authorities
Periodic
Regulatory verification and compliance
National Technical Head
Regional Technical Manager
Area Technical Manager
Technical Manager(s)
Technical Officer(s)
Name: ______________________
Date of Entry / Approval: ______________________
