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Technical Manager-Secured Credit Technical

Ujjivan Small Finance Bank · Vellore, Tamil Nadu, India

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Position Description

Job Title

: Technical Manager GRADE :

M Department

: Credit LOCATION : Branch SUB-DEPARTMENT : Housing

Type of Position

: Full-time

Reports to

: Area Technical Manager

Reporting Into

•

Role Purpose

& OBJECTIVE

  • This role is accountable to m onitor 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. •

Size of the Role Financial Size Non-financial Size

  • 600 Cr – asset Portfolio at PAN India level to be managed
  • Implement Micro LAP and scale up underwriting of secured & unsecured Agri products
  • All fintech partners, technical vendors and BCs associated/ to be associated with Rural banking
  • Manager credit function for all RB products across regions
  • Manage monthly disbursement of 60 Cr (Over 100Cr Projected)
  • 12,000 Credit files processed in a month •

Key Duties

&

Responsibilities of the Role

Business

  • 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. Customer
  • 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. Internal Process
  • 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. Learning & Performance
  • 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. •

Minimum Requirements of Knowledge

& SKILLS Educational Qualifications

  • Diploma or BE in Civil Engineering or Architecture (B. Arch) Experience
  • Minimum 3 years of experience Certifications
  • NA Functional Skills
  • Good written and verbal communication skills in English and local language
  • Understands and executes the Procedure of estimating
  • Thorough knowledge of Methods of building estimates of residential projects, individual house and commercial properties.
  • Understanding of the Structural stability, impact of earthquake and other natural calamities on the residential/commercial projects-individual units.
  • Knowledge of local practices of the building structures across various localities. Behavioral Skills
  • 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. Competencies Planning and Organizing Execution Collaboration •

Key Interactions Internal External

  • Credit officers, CCM, ACM
  • Loan officers, RM, CM, AM, RBM
  • Operations
  • FCU manager, Products, Auditors
  • Legal advisors
  • Accounts officers, Mangers
  • Technical Vendors
  • Customers
  • Local bodies/Town planning authority

Prepared by

: Credit Housing DATE : 30 th January 2024

Reviewed by

: Anand Devata DATE : 30 th January 2024

Last Updated by

: TM Team DATE : 30 th January 2024