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

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