Ankit Mishra
Technical Manager | Land And Building Valuation
Bhopal,Madhya Pradesh
Summary
Land & Building Valuation professional with 6+ years of experience across Home Loans, LAP, Mortgage, and Retail Construction Finance. Expertise in technical due diligence, property valuation, project feasibility analysis, and collateral risk assessment. Proven track record of supporting high-volume underwriting across Bhopal and key markets of Madhya Pradesh.Strong exposure to risk mitigation, regulatory compliance, deviation handling, and vendor (valuer) management. Adept at enabling fast, compliant, and risk-controlled credit decisions through close coordination with Credit, Legal, and Business teams. Backed by IBBI training, IGBC AP training, and ongoing MRICS (Valuation Pathway).
Overview
6
6
years of professional experience
2
2
Certificates
Work History
Manager – Retail Credit (Technical)
HDFC Bank Limited
Bhopal
09.2022 - 11.2025
- Led technical underwriting across multiple locations including Bhopal, Mandideep, Sehore, Narmadapuram, Itarsi, Chhindwara, Seoni, Vidisha, Betul, Satna, Rewa, Sagar, and Damoh, handling 700+ cases per month for LAP, Home Loans, Mortgage, and Retail Construction Finance portfolios
- Reviewed and approved valuation reports, site inspections, construction-stage verification, and project feasibility assessments to support credit decisions.
- Spearheaded technical approval of 60+ projects annually, ensuring compliance, feasibility assessment, and risk control
- Implemented technical policies, SOPs, and quality benchmarks across branches, ensuring standardized evaluation processes
- Managed and empaneled 10–12 external vendors/engineers, ensuring service quality and strict adherence to turnaround time (TAT)
- Evaluated deviation and exception cases, providing structured risk mitigation recommendations
- Conducted technical audits, field reviews, and quality checks to ensure compliance and accuracy
- Collaborate closely with Credit, Legal, Risk, and Business teams to enable faster, safer, and compliant credit decisions.
- Provide technical inputs for policy revisions and process improvements.
- Trained and mentored teams to drive consistency, best practices, and technical excellence
Service Center Head
HDFC LTD
Rewa
10.2021 - 09.2022
- Managed disbursements and customer servicing while ensuring smooth branch operations
- Ensured strict adherence to policies, audit standards, and regulatory compliance
- Enhanced customer experience through proactive communication and same-day resolution of customer complaints, ensuring zero backlog
- Oversaw docket compliance, documentation accuracy, and disbursement readiness.
- Built and maintained strong relationships with business sources and channel partners.
- Accelerated business growth from ₹50 Lakhs to ₹2.75 Cr average monthly disbursements within 8 months
- Monitored support functions to ensure targets and service benchmarks were consistently met.
Assistant Manager – Retail Credit (Technical)
HDFC LTD
Bhopal
10.2019 - 09.2021
- Performed technical appraisal and property valuation for retail asset portfolios (HL/LAP), ensuring accurate collateral assessment across multiple locations including Bhopal, Mandideep, Sehore, and Hoshangabad
- Evaluated statutory approvals, land records, and regulatory compliance to identify and mitigate risks in project approvals
- Enabled underwriting decisions by ensuring high-quality technical evaluation and adherence to credit policies
- Led the technical approval of over 35 projects annually and conducted the evaluation of more than 400 cases per month, ensuring compliance and risk mitigation.
Post Graduate Trainee
Dorsch Consult Pvt. Ltd.
Mumbai
01.2016 - 06.2016
- Assisted in infrastructure planning and project documentation under senior supervision.
- Maintained technical records and source documentation as per best practices.
- Executed responsibilities across 3 projects during training, including project cost analysis, evaluation of smart city planning initiatives, and auditing of contractor billing.
Education
Master of Engineering (M.E.) - Infrastructure Engineering & Management
Birla Institute of Science And Technology
Pilani, India06-2016
Bachelor of Technology (B.Tech) - Civil Engineering
Bharati Vidyapeeth College of Engineering
Pune, India06-2014
Skills
Technical risk evaluation
Real estate assessment skills
Regulatory compliance expertise
Process adherence and quality management
Efficiency in TAT processes
Vendor management
Team leadership
Market analysis
Deviation & Exception Handling
Cross-functional Coordination
Certification
Completed 50-hour training program for Registered Valuer (Land & Building) under Insolvency and Bankruptcy Board of India (IBBI)
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Timeline
Completed 10-hours IGBC Accredited Professional (AP) training from Indian Green Building Council
02-2026
Completed 50-hour training program for Registered Valuer (Land & Building) under Insolvency and Bankruptcy Board of India (IBBI)
01-2026
Currently pursuing MRICS (APC – Valuation Pathway) with Royal Institution of Chartered Surveyors
01-2026
Manager – Retail Credit (Technical)
HDFC Bank Limited
09.2022 - 11.2025
Service Center Head
HDFC LTD
10.2021 - 09.2022
Assistant Manager – Retail Credit (Technical)
HDFC LTD
10.2019 - 09.2021
Post Graduate Trainee
Dorsch Consult Pvt. Ltd.
01.2016 - 06.2016
Master of Engineering (M.E.) - Infrastructure Engineering & Management
Birla Institute of Science And Technology
Bachelor of Technology (B.Tech) - Civil Engineering
Bharati Vidyapeeth College of Engineering
Achievements & Leadership
- Best Outgoing Student, Civil Engineering Department (2014)
- Joint Secretary, BHARTIYAM 2013 – Led coordination for a national-level inter-collegiate cultural & technical festival
- Organizing Committee Member, Civil Infrastructure Systems Convention