Technical Manager

Role overview

This position supports risk management for mortgage, home loan, and construction finance portfolios by assessing whether secured properties remain marketable and by identifying property-related risks. The role also covers building and reviewing MIS that tracks portfolio behavior and security quality, along with close supervision of technical vendors so that report quality and turnaround times meet expectations.

Organization context

Aditya Birla Capital Limited includes Aditya Birla Housing Finance Limited (ABHFL), a housing finance company registered with the National Housing Bank under the National Housing Bank Act, 1987. ABHFL offers home loans, home improvement loans, home construction loans, balance transfers, top-up loans, loans against property, and construction finance. The company received its license on 9 July 2014 and is pursuing aggressive growth plans.

ABHFL has expanded steadily while maintaining strong asset quality despite a challenging operating environment. The mortgage market continues to be driven by large groups, while segments such as affordable housing and self-employed borrowers are gaining importance. The company plans to scale to 5X growth, reaching Rs. 40,000 Cr in the next 5 years, which would place it among the top 5 percentile of HFCs in the country.

Business context

The risk function provides essential underwriting support that is central to business health, risk control, and long-term sustainability. Operating in parallel with the sales and sourcing teams, it applies controls and process checks that help ensure strong business performance. Along with safeguarding the business through underwriting discipline, the team also contributes to growth by evaluating product and market expansion proposals with sales stakeholders.

Job purpose

The Team Member – Technical role sits within the risk and compliance setup and focuses on due diligence for real estate collateral. The role requires ensuring that all property-related information needed for credit decisions is available to senior management. It also involves keeping turnaround time on track and sharing inputs on regulatory changes, property price movements, demand and supply trends, and the effect of economic shifts on real estate assets so that management can make better decisions and improve overall sanction timelines.

Key challenges

• Coordinating smoothly across functions to support faster approval of proposals.
• Keeping up with changing economic conditions and industry developments.
• Tracking valuation turnaround time closely.
• Maintaining satisfaction for both internal stakeholders and external customers.
• Managing external vendors effectively and ensuring seamless coordination.

Key result areas

• Prepare and refine city-specific process notes, including deviations and mitigation measures relevant to each location.
• Contribute inputs for technical policy, vendor management policy, and audit policy updates.
• Manage vendor empanelment for assigned zones and conduct periodic vendor reviews.
• Monitor turnaround times consistently and resolve valuation-related queries from different zones.
• Conduct periodic audits of vendors across the assigned zones.
• Perform monthly audits of sampled valuations and lease rentals for the relevant zones or locations.
• Visit construction finance project sites and complete due diligence for project approvals.
• Analyse projects by reviewing lifecycle, cost structure, and techno-economic feasibility.
• Prepare initial project feasibility assessments for construction finance and debt syndication proposals.
• Assess construction finance projects from a valuation and compliance perspective, including permissions and Development Control Regulation requirements of the relevant authorities.
• Build project life cycles and milestone plans.
• Track project progress periodically and monitor end-use of funds for construction finance cases.
• Prepare quarterly progress reports for construction finance projects.

Qualifications and experience

The ideal candidate should be a civil engineer with 5 to 8 years of experience. The background should include a healthy mix of construction exposure and valuation work. Experience in valuation with banks or NBFCs is preferred.

Required capabilities

The role calls for strong analytical ability, sound evaluation skills, attention to detail, practical decision-making, initiative, target focus, and market understanding developed through a solid industry network.

Additional information

This position is based in Gujarat, India and is a full-time, onsite role.