Regional Technical Manager - Real Estate Valuation - Mortgage Finance

Job Title : Regional Technical Manager

Location : Pune, Maharashtra

Region Covered : ROM (Rest of Maharashtra)

Department : Technical

Experience Required : 8+ years in Technical Valuation, Real Estate, or Mortgage Finance

Educational Qualification : B.E. / B.Tech in Civil Engineering (mandatory); M.Tech / MBA (preferred)

Job Purpose :

To oversee and manage the technical evaluation and appraisal process for real estate properties across the ROM region, ensuring high-quality credit underwriting support with a strong focus on DCF and LRD-based evaluations.

Key Responsibilities:

- Regional Oversight: Lead the technical team for the ROM region (Rest of Maharashtra), ensuring all property assessments are conducted accurately and in a timely manner.

- Technical Valuation: Conduct and review valuations of residential, commercial, and industrial properties using market, cost, and income approaches, with a strong emphasis on DCF and LRD methodologies.

- LRD Appraisals: Evaluate lease rental discounting proposals by analyzing lease agreements, tenant profiles, property cash flows, and sustainability of rental income.

- DCF Modeling: Analyze real estate cash flows using Discounted Cash Flow models for project funding, construction finance, and commercial real estate proposals.

- Vendor Management: Manage and coordinate with empaneled technical consultants, valuation agencies, and other third-party vendors for property inspections and reports.

- Site Inspections: Conduct or oversee site visits to validate physical status, construction quality, and legal compliance of projects/properties.

- Risk Management: Identify and flag technical risks associated with property titles, project approvals, encroachments, construction anomalies, or structural issues.

- Stakeholder Collaboration: Work closely with the credit, legal, and sales teams to support underwriting and decision-making for loan disbursal.

- Reporting & MIS: Maintain and update regional technical MIS reports, project tracking, and approval documentation.

Desired Candidate Profile:

- Minimum 8 years of experience in real estate valuation, technical appraisal, or mortgage lending.

- Strong knowledge of DCF (Discounted Cash Flow) analysis and LRD (Lease Rental Discounting) mechanisms.

- Familiarity with local development rules, approval processes, and real estate market trends in Maharashtra.

- Excellent communication, analytical, and team management skills.

- Proficient in MS Office (especially Excel) and technical valuation tools.