Udaya Kumar

Civil Engineering Graduate with 8+ Years of Experience in Mortgage Valuation Field. Skilled in Real estate valuation for all types of Assets, Vendor Management, APF Handling and Scrutinize the Legal Documents for Mortgage

Regional Technical Manager - REPCO HOME FINANCE LIMITED - South Tamil Nadu

(2026-03)

Handling South Tamil Nadu

• Branch Oversight: Manage technical and valuation operations for across 49 branches inSouth Tamil Nadu
• Report Vetting: Vet technical reports to mitigate credit and ensure compliance
• High-Value Cases: Personally conduct site visits, risk assessments, and technical vetting for high-ticket property evaluations
• NPA Resolution: Assess NPA properties to maximize recovery value.
• Vendor Management: Handle end-to-end empanelment, audits, and performance of vendors.
• Policy & SOPs: Authored and implemented comprehensive Technical Policies and SOPs that optimized workflow and reduced TAT
• Team Leadership: Lead and mentor the regional technical officer team.
• Cross-Functional Training: Train Sales, Credit, and Ops teams on technical risk and policy

Technical Manager – Retail Housing Finance - L & T HOUSING FINANCE LIMITED - Tamil Nadu & Kerala Regions

(2022-08 - 2026-03)

Handled Entire ROTN Locations

• Inspecting and Preparing Technical report for all type of Real estate Assets
• Inspecting and Preparing APF - Technical report for new projects of all CAT - A, B and C Builder's Projects
• Monitoring TAT, FPR for NPA Cases, Vendor Management for Tamil Nadu & Kerala Regions
• Preventing Bad Funding's, Analyzing Real Estate Market, Providing Trainings, Agency Empanelment

Collateral Manager – Technical & Legal - BAJAJ HOUSING FINANCE LIMITED - Trichy, Hosur, Salem Locations

(2021-09 - 2022-08)

• Responsible for Technical and Legal for Homeloans and Mortgages
• Preparing Internal Legal Reports
• Vetting of Legal Reports from External Vendors
• Managing and Vetting of all PDD and OV Documents
• Empaneling and Auditing of External Vendors

Senior Technical Officer - MVG (Mortgage Valuation Group) - ICICI BANK - South Tamil Nadu (base location Madurai)

(2017-07 - 2021-08)

Managed Various Locations of 8 Districts in ROTN with 11 Agencies

• Inspecting and Preparing Technical reports for HL, LAP, RIBG, BLG and SMEAG Product Cases
• Valuing all kinds of Immovable Properties like Residential, Commercial, Industrial and Agricultural Lands
• Responsible for all inhouse valuations and external valuations Management, Valuation Analysis, Market Research and Broker Network etc.
• Handled Trichy, Hosur, Salem Locations
• Handled South Tamil Nadu (base location Madurai)

Site Engineer - Dream Constructions - Madurai, Tamil Nadu

(2016-05 - 2017-02)

Worked as a Site Engineer in Laying of WBM Road works at Adani Solar Power Plant in Kamuthi

• Site Execution Works
• Preparing of Daily reports
• Client Billing etc.
• Coordination with Execution team

Bachelor of Engineering - Civil Engineering - K.L.N. College of Information Technology, Madurai (Affiliated - Anna University) Tamilnadu (2013 - 2016)

Diploma - Civil Engineering - Nagasiva Polytechnic College, Madurai, Tamilnadu (2011 - 2013)

Higher Secondary - Sethupati Higher Secondary School, Madurai, Tamilnadu (2009 - 2011)