Head - Technical - Property Valuation/Technical Appraisal - BFS

Key Responsibilities:

- Conduct technical evaluations (site visits, property valuations, legal-verification coordination) for both self-constructed and builder properties under affordable HL & LAP segments.

- Manage a team of Technical Associates/Manager across the region; ensure productivity, TAT adherence, and policy compliance.

- Review and approve property valuation reports for retail loan proposals as per internal guidelines and RBI standards.

- Identify and mitigate technical risks by scrutinizing land titles, construction quality, approvals, and deviation issues.

- Coordinate with empanelled valuers, legal agencies, and builders for accurate, timely, and unbiased reports.

- Support the credit underwriting team in assessing the technical feasibility of secured loan proposals.

- Implement quality control measures and conduct sample back-checks to ensure authenticity and accuracy of property appraisals.

- Provide regular training to branch teams on technical red flags, documentation, and approval norms.

- Work closely with Risk, Legal, Credit, and Operations to ensure end-to-end case lifecycle efficiency.

- Track market trends in construction costs, local municipal approvals, and legal developments affecting collateral risk.

- Facilitate internal audits, resolve discrepancies, and ensure complete documentation in line with internal audit & compliance expectations.

Key Skills:

- Property Valuation & Technical Appraisal

- Affordable Housing Loan / LAP Processes

- Risk Identification & Mitigation

- Vendor Management (Valuers & Legal Partners)

- Regulatory & Legal Compliance (RERA, Local Laws)

- Team Leadership & Performance Management

- TAT & SLA_Monitoring

- Knowledge of Municipal Approvals & Land Titles

- Technical MIS & Reporting

- Audit Coordination & Documentation Control