Key Responsibilities

• Oversee state-wide technical operations for the LAP portfolio including property valuation, asset inspection, collateral documentation and vendor management.

• Develop and monitor KPIs/TAT for valuation & technical processes, ensure adherence to quality and policy standards.

• Manage empanelment and performance of external valuation agencies and technical vendors; conduct periodic audits and spot-checks.

• Work closely with credit, risk, operations and business teams to ensure collateral adequacy, monitor early delinquencies and support resolution of stressed assets.

• Provide market intelligence on real estate trends, regulatory/legal issues (including local property laws, RERA, etc.) and advise senior leadership on potential risks or opportunities.

• Conduct team training and skill enhancement programs for the technical/valuation team in the state.

• Lead process improvement initiatives in the technical domain—reduce cycle time, increase efficiency, reduce cost and improve quality of collateral validation.

• Support new business launches, product enhancements and process automation in collateral/technical workflow for the LAP segment.

Key Requirements

• Deep understanding of real estate valuation methodologies, statutory/regulatory environment related to immovable property, and experience with vendor/agency management.

• Proven track record in setting up / improving technical & collateral workflows in lending organizations; experience in scaling secured loan portfolios is a plus.

• Strong analytical and process-orientation mindset; excellent stakeholder management and leadership skills.

• Ability to travel extensively within the state and work in a dynamic, fast-paced environment.

Qualifications:

• Bachelor’s degree in Civil Engineering, Architecture, Real Estate, or equivalent; MBA preferred.

• Proficiency in Python and ML libraries such as PyTorch, TensorFlow, Hugging Face Transformers.

• Knowledge of LangChain or LlamaIndex for building GenAI pipelines.

• Experience with open-source LLMs (LLaMA, Mistral, Falcon, etc.).

Experience : Minimum 8–12 years (or as per internal grade) in secured lending (preferably LAP/Housing/Commercial Real Estate), with at least 3–5 years in a leadership role managing technical/valuation teams for an NBFC/Bank.