Area Technical ManagerCredit TechnicalLucknow

Job Summary

To contribute to mortgage risk management by ensuring that properties held as security for mortgages, home Loans and construction Fice are marketable and identifying and evaluating associated risks, to prepare and monitor the MIS for capturing the behavior of the portfolio and the quality of security and to effectively monitor the technical vendors to ensure that the quality of technical reports and TATs are adhered to.

Dimensions

• Function Workforce Number: 14
• Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
• Parameters
• units
• FY 2021
• FY 22 (proj.)
• Fy23(proj)
• Book size: Crs
• STSL
• 550
• 1700
• 3000
• Mortgages
• 8990
• 10385
• 11850
• SME
• 6000
• 7500
• 8500
• LCMM
• 5800
• 6900
• Valuation Agencies
• 20
• 30
• 50
• Valuation cost save (fee negotiation)
• Business
• Fy23 (proj)
• ABFL (Mortgages/ STSL/LCMM/ SME)
• 50 lakhs
• 80 lakhs
• 100 lakhs

Job Context & Major Challenges

This role is an integral part of the Risk & compliance and is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property and ensure that all information required to take a credit decision with respect to real estate property be provided to higher management. He is also responsible for maintaining TAT. The key aspect of due diligence is that underlying security i.e. real estate properties are compliant with local statutory norms & regulations and falls under acceptable norms as per ABFL as well as RBI.

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