Location: Tirupati
Function: SME Lending / Credit
Department: SME Business
The Technical Manager will be responsible for conducting technical due diligence and property assessments for SME loan proposals. The role involves evaluating collateral security, verifying property-related documents, assessing asset quality, and providing technical recommendations to support informed credit decisions while ensuring compliance with organizational policies and regulatory requirements.
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Conduct technical evaluations of residential, commercial, industrial, and mixed-use properties offered as collateral for SME loans.
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Verify property measurements, construction quality, marketability, accessibility, and legal boundaries.
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Assess the fair market value, distress sale value, and realizable value of collateral properties.
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Scrutinize approved building plans, occupancy certificates, approvals, and other technical documents.
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Identify risks relating to property ownership, encroachments, deviations, litigation, and construction quality.
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Prepare detailed technical evaluation reports within defined turnaround timelines.
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Coordinate with business, credit, legal, and operations teams for smooth processing of loan proposals.
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Empanel and manage external valuers and technical agencies, ensuring adherence to prescribed standards.
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Conduct periodic collateral inspections, post-disbursement visits, and monitoring of high-value cases.
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Ensure compliance with internal policies, audit requirements, and regulatory guidelines.
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Support branch and sales teams by providing technical guidance on collateral acceptance criteria.
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Maintain accurate records and MIS related to technical evaluations and property assessments.
Education
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B.E./B.Tech in Civil Engineering or Diploma in Civil Engineering.
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Additional certifications in valuation or property assessment will be an added advantage.
Experience
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4 to 8 years of experience in technical evaluation, property valuation, mortgage underwriting, or secured lending.
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Experience in SME, LAP, Housing Finance, Gold Loan, or Banking/NBFC sectors preferred.
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Familiarity with property laws, municipal approvals, and valuation methodologies.
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Property Valuation
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Technical Due Diligence
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Collateral Assessment
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Mortgage Lending
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Risk Assessment
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Credit Understanding
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Stakeholder Management
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Report Writing
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Regulatory Compliance
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MS Office & Technical Documentation
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Analytical and problem-solving ability
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Attention to detail
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Decision-making capability
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Strong communication and coordination skills
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Customer-centric approach
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High level of integrity and compliance orientation
Cluster Technical Head / Regional Technical Manager
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Strong understanding of local real estate markets across Tirupati and surrounding regions.
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Ability to manage multiple property evaluations within stringent timelines.
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Experience in handling secured lending products such as SME Loans, LAP, and Mortgage Loans.
