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• State Technical Manager oversees technical evaluation, property due diligence, and collateral risk management for mortgage lending within a specific state. Will ensure compliance with valuation standards, legal statutes, and internal controls—while proactively improving processes and collaborating across teams.

Technical Evaluation & Valuation Oversight

• Lead end-to-end property valuation and technical due diligence for residential, commercial, and industrial collateral.

• Scrutinize valuation reports and title documents to ensure accuracy, risk identification, and regulatory compliance.

Policy & Process Development

• Develop and refine collateral policies, turnaround time (TAT) targets, and deviation matrices tailored to state-specific requirements.

• Continuously update internal processes to align with changing regulations, including bylaws, RERA, and other legal guidelines.

Regulatory & Legal Compliance

• Monitor and apply state/district-level real estate and mortgage regulations to ensure compliance in all processes.

• Collaborate with legal teams for technical valuations, spot checks, and fraud monitoring to minimize legal risks.

Vendor & Stakeholder Management

• Empanel, manage, and audit valuation vendors to ensure quality, compliance with TAT targets, and cost-effectiveness.

• Work closely with zonal sales and credit teams to analyze project approvals and assess collateral risks.

Risk Detection & Quality Control

• Implement fraud triggers to monitor high-risk cases and follow them through to closure.

• Conduct field visits for exceptional cases, distressed assets, and sample audits to identify and mitigate risks.

Market Intelligence & Continuous Improvement

• Track real estate market trends and regulatory changes, proposing state-specific innovations based on insights.

• Suggest process enhancements to mitigate risk, improve efficiency, and support operational growth.

Educational Background

• Bachelor’s degree in Civil Engineering, Architecture, or a related field.

• Master’s degree or specialized certifications in relevant fields are preferred.

Experience Requirements

• 5–12+ years of experience in mortgage lending technical due diligence, property valuation, or collateral management.

• Proven vendor management experience is highly preferred.

Technical & Analytical Skills

• Proficient in valuation methodologies (residual, comparable, DCF), title scrutiny, and legal compliances

• Strong familiarity with RERA, state bylaws, depreciation/obsolescence assessment, and risk mitigation

Leadership & Communication

• Excellent stakeholder management—coordination with legal, credit, sales teams, and external vendors

• Analytical thinking, problem-solving, and strong communication/presentation skills