Aditya Birla Home Finance/ Zonal Technical Mgr / Mumbai

Job Description:

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
Zonal Technical Manager is responsible to assist National Technical Manager in risk management by
ensuring that properties from his zone held as security for mortgages, home loans and Construction
Finance are marketable and identifying and evaluating associated risks, to prepare and monitor the MIS
for capturing the behaviour 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

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a
better understanding of the scope and scale of the job.
Business/SBU/Unit Revenue
Business Workforce Number
Unit Workforce Number
Function Workforce Number
Department Workforce Number
Other Quantitative and Important
Parameters for the job: Budgets/ Volumes/
No. of Products/ Geography/ Markets/
Customers or any other parameter

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge
(internal and external) to the jobholder in the context of the
Business/Unit/Function/Department/Section
Part of the Aditya Birla Capital (ABC), Aditya Birla Housing Finance Limited (ABHFL) offers a complete
range of housing finance solutions such as home loans, home improvement and home construction
loans, balance transfer and top-up loans, loans against property and construction finance. ABHFL
operates in the Rs. 9.7 trillion Indian Housing Finance market, which has grown at a steady rate of 19%
CAGR over the last 3 years while reporting good asset quality despite challenges in the operating
environment.
Key challenges for the role are as follows:
a) Environment: The business environment is becoming volatile. Defining and communicating
acceptable risk at all level in complete and clear manner is difficult. The interdependency of risk
factor & external & internal events has increased which is making risk more volatile & less

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Annexure I : ABG Job Description Template

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comprehensible
a) Managing Portfolio: This position oversees all branches under the said zone. He will be responsible
for overall quality of portfolio for respective zone with the help of team of ATM/RTM’s reporting to
this position.
b) Market Dynamics: With the dynamic market conditions & changing regulatory aspects carrying out
correct & timely interpretation of the revised regulatory framework is crucial to proactively advise to
amend business plans to achieve business objective.
c) Managing NPA: Developing effective credit lending norms, balancing the risk and growth in business
through constant engagement with the business, maintaining market benchmarked turnaround time
(TATs), strengthening policies& risk mitigation systems for both secured & unsecured portfolios to
ensuring minimal NPAs while enabling the business to grow within the risk policy framework.
d) Risk Management: Protect from potential loss on the credit portfolio by detecting early warning
signals of deteriorating risks and devise plans to reduce exposure.
e) Cross functional coordination: To enable timely approval of proposals Regular updation on changing
economic & Industry scenario.

4) Key Result Areas / Accountabilities: Write the key results expected from the job and the supporting
actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result
areas)
Key Result Areas /
Accountabilities Supporting Actions
Development of
policies and
processes

 Prepare and review the overall technical policy for home loans and
construction finance across India, including city specific process notes to
account for location-specific deviations and mitigants
 Develop vendor management and vendor audit processes to establish robust
risk management systems

Conduct
Technical
evaluations of
property and
contribute to the
overall risk
management

 Lead the valuation efforts for key real estate projects including evaluation of
projects, project lifecycles, cost break-ups and techno-economic feasibility
analysis
 Identify the risks and mitigants related to projects and check regulatory
compliances with respect to permissions and developmental control
regulations
 Create a real estate intelligence service for ABHFL with the objective of
systematically collecting and analysing data on the particular target market
 Create and oversee the upkeep of a database containing information on
projects, zones, prevailing market rates, developers, etc.
 Prepare primary project feasibility reports for construction finance and debt
syndication proposals

Carry out technical
evaluations of
property held as

 Develop an efficient risk monitoring system by streamlining technical policies
and processes, including location-specific processes to identify city-specific
deviations and mitigants

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Annexure I : ABG Job Description Template

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HayGroup Job Description Template 2011
security  Oversee the real estate valuation process for ABHFL, to be carried out through

external technical agencies as well as an in-house technical team
 Identify projects for which home loans may be approved on an expedited
basis, so as to reduce the turn-around-time of home loans
 Develop and oversee the upkeep of a technical MIS and supervise technical
activities across locations
 Coordinate with valuation agencies to purchase valuation reports; carry out
checks and validations of these reports and incorporate them into the
technical database
 Ensure compliance with technical norms (both internal and regulatory) in line
with organizational policies
 Update senior management of any amendments in development control
regulations affecting the real estate sector, and their effects on business

Monitor
Business
performance
continuously from
technical aspect

 Monitor the performance of business from a technical standpoint, re-
evaluating the valuations of security held, monitoring project progress, sales,
etc.
 Alert senior management and the risk management team in the event of any
deviations from risk management policies; identify methods to mitigate these
risk and report to management
 Provide support to construction finance RMs in monitoring overdue positions;
identify and recommend appropriate steps to support the recovery process for
the same

Vendor
Management

 Empanelment of vendors across India to provide valuation services
 Carry out periodic reviews and audits both for vendors as well as in-house
technical and valuation teams

Development and
upkeep of MIS
for technical
information

 Develop an MIS system to track APFs, vendors, advance disbursement and
project status
 Prepare MIS reports and trend charts on portfolio progress/variances/defaults
for all the loans during their credit life cycle and present them to the team
leader / CRO
 To prepare regular MIS for areas under risk management and give
presentation to various stakeholders

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines
for each report)
Direct Reports to this position are responsible to manage day to day business booked by all branches for
respective state. They will be responsible for technical vetting for all monthly cases, all project approvals,
managing NPA & collection cases for respective locations.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except

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Annexure I : ABG Job Description Template

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HayGroup Job Description Template 2011
superior/team members) with individuals, departments, organizations inside and outside of the
organization, that job is required to interact with in order to deliver the job objectives
Relationship Type Frequency Nature
Internal
National Technical
Manager

Daily/ Need Based Nature and frequency MIS, intimation in cases
requiring management intervention- Daily/weekly

National Risk Head
(Mortgages / HFC / CF)

Need Based Recommendations on loans, ongoing
portfolio/client reviews, documentation audits-

Risk Management
Committee

Need Based Portfolio reviews and portfolio development

strategies.

External
External Vendors Daily/weekly Real Estate property issues, valuation issues, Due

Diligence, audit etc.-

Regulatory authorities Need Based Document verification, changes in statutory

norms

7) Organizational Relationships: Provide the structure for a level above and below the position for which
this job description is written. Use position titles in the structured and indicate all the reports