Technical Head - Home Loan

Job Description Technical Head

Role: Technical Head Home Loan

Location: Pune (Corporate Office)

Key Responsibilities

- Property Valuations & Site Evaluations: Conduct and supervise site visits, property valuations, and legal-verification coordination for both builder and self-constructed properties.

- Team Leadership: Manage and guide Regional/Area Technical Managers and Associates across the country; drive productivity, adherence to TAT, and policy compliance.

- Approval & Compliance: Review and approve high-value property valuation reports, ensuring alignment with internal guidelines, RBI standards, and compliance requirements.

- Risk Mitigation: Identify and mitigate technical risks by scrutinizing land titles, construction quality, approvals, deviations, and encumbrance issues.

- Stakeholder Management: Collaborate with empanelled valuers, legal partners, builders, and internal credit underwriting teams to deliver unbiased and accurate technical assessments.

- Quality Control: Implement robust audit and back-check mechanisms to ensure authenticity, reliability, and transparency of property appraisals.

- Training & Development: Conduct periodic training and workshops for regional technical teams and branch staff on technical red flags, documentation standards, and approval norms.

- Cross-Functional Coordination: Work closely with Risk, Credit, Legal, Operations, and Compliance teams to ensure smooth case lifecycle management.

- Market Intelligence: Track and analyze market trends in construction costs, municipal regulations, RERA updates, and legal developments affecting collateral risk.

- Audit & Documentation: Facilitate internal and external audits, resolve discrepancies, and ensure meticulous record-keeping in line with compliance expectations.

Key Skills

- Property Valuation & Technical Appraisal

- Prime Home Loan Processes

- Risk Identification & Mitigation

- Vendor Management (Valuers & LegalPartners)

- Regulatory & Legal Compliance (RERA, Local Laws, RBI Norms)

- Pan-India Team Leadership & Performance Management

- TAT & SLA Monitoring

- Knowledge of Municipal Approvals & Land Titles

- Technical MIS & Reporting

- Audit Coordination & Documentation Control

Education & Experience

- Experience: 15-25 years of relevant experience in technical risk management, property valuation, and team leadership within NBFCs/Banks/Housing Finance Companies.

- Proven track record of managing large technical teams and handling high-ticket retail loan portfolios (Prime HL).