Area Technical Manager

Job Description      Basic Details:  Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business
Financial Services
Unit
Aditya Birla Finance Ltd.
Location
Mumbai
Poornata Position Number of the job

Reports to:

Poornata Position Number

Poornata Position Title of the job
Technical Manager

Reports to:

Poornata Position Title
Zonal Technical Manager

Function
Risk, Management & Compliance

Reports to:

Function
Risk, Management & Compliance
Department
Risk & Legal & Collections

Reports to:

Department
Risk & Legal & Collections
Designation of the Employee:
Area Legal Manager
Manager's Designation:
Regional Legal Manager
Date of writing/ Updation of JD
30 Jan 2023

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
1) Job Purpose  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.
2) Dimensions  Skills    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.

Scope    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.

3) Job Context & Major Challenges  Organization Context  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.
Job Context  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.
Major Challenges    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…