Ashish Kumar Chaurasia
Property Valuation Appraiser, Technical Real Estate Knowledge, Risk Management & Credit Support, Financial Risk Assessment And Regulatory Compliance, Property Inspection & Verification, Asset Class Expertise, Soft & Operational Skills.
Jabalpur
Summary
To reach top position by utilizing my skills, abilities and team spirit in the organization, I work with.
Overview
7
7
years of professional experience
2
2
Languages
Work History
Area technical manager
Hinduja housing finance Ltd
09.2022 - Current
- Currently I am working in Hinduja housing finance Ltd since 12.09.2022 now promoted and now working as an Area technical manager at Jabalpur location.
Branch Technical manager
Adhar housing finance Ltd
12.2021 - 04.2022
- 28 dec 2021 to 5april 2022 worked under Adhar housing finance Ltd as Branch Technical manager in Bilaspur CG location.
Internal valuer (Designation- Se. Technical executive)
Aavas Financiers Ltd
07.2019 - 12.2021
- 2 year 5months Worked under Aavas Financiers Ltd from 16th July 2019- 02 December 2021 as an internal valuer (Designation- Se. Technical executive) in Rewa MP based.
Lecturer (civil engineering)
JNCT Rewa
- Worked as a lecturer (civil engineering) in JNCT Rewa, duration 1 sem.
Site engineer
Maa infra. Pvt Ltd.
- 4 month worked as a site engineer in PMGSY project at Java (Rewa) under Maa infra. Pvt Ltd. Rewa (m.p)
Minor/Major Training - Civil Department
J.P. cement Rewa
- Minor/Major Training - Civil Department from J.P. cement Rewa.
Education
B.E. -
RGPV
01.2014
Senior Secondary - Mathematics
M.P Board
05-2009
High School - All
M.P Board
01.2007
Skills
Property Inspection & Verification: Conducting site visits, verifying property measurements, checking structural condition, and identifying encroachments
Valuation Approaches: Proficient in Sales Comparison Method (comparable market data), Income Approach (rental yield analysis), and Cost Approach (reconstruction cost)
Market Analysis: Analyzing local real estate market trends, property appreciation/depreciation rates, and demand-supply dynamics
Forced Sale Value (FSV): Assessing the distressed value of properties for risk management
Asset Class Expertise: Valuation of diverse assets—residential (apartments, houses), commercial (offices, retail), and land
Collateral Risk Assessment: Evaluating property to determine loan-to-value (LTV) ratios and mitigating lending risks
Technical Due Diligence: Reviewing property documentation, including title deeds, sale agreements, occupancy certificates, and building approvals
Approval/Non-Performing Assets (NPA) Valuation: Expert in valuation for new loans and annual revaluation of NPAs
Project Approvals: Analyzing project viability, builder reputation, and legality for project funding
RBI/NHB Guidelines: In-depth understanding of National Housing Bank (NHB) regulations regarding property valuation and collateral
IVS & Local Standards: Familiarity with International Valuation Standards (IVS) and RICS standards
Legal & Zoning Laws: Understanding of local property laws, land use, RERA compliance, and environmental regulations
MS Excel & Modeling: Using Excel for data analysis, trend calculation, and preparing valuation models
Valuation Software/GIS Tools: Proficiency in tools like Argus, Costar, or GIS mapping for spatial analysis
Loan Management Systems (LMS): Experience with LMS for data entry, file tracking, and TAT (Turnaround Time) monitoring
Turnaround Time (TAT) Management: Ensuring timely delivery of valuation reports to facilitate rapid loan disbursement
Stakeholder Management: Coordinating with legal teams, sales teams, Direct Selling Agents (DSAs), and technical auditors
Report Writing & Documentation: Creating detailed, accurate, and defensible valuation reports
Negotiation & Problem Solving: Resolving valuation discrepancies and addressing technical queries
Personal Information
- Father's Name: Mr. VIJAY CHAURASIA
- Mother's Name: Smt. Indu Chaurasia
- Blood Group: O+
- Date of Birth: 21 Feb. 1992
- Marital Status: Unmarried
- Availability: Jabalpur, MP
Additional Information
12/569, old NH-7, Turn of Dainik Jagaran Press Gandhi Nagar ward no. 12, Rewa Madhya Pare
Current Place
Jabalpur, Madhya Pradesh
Timeline
Area technical manager
Hinduja housing finance Ltd
09.2022 - Current
Branch Technical manager
Adhar housing finance Ltd
12.2021 - 04.2022
Internal valuer (Designation- Se. Technical executive)
Aavas Financiers Ltd
07.2019 - 12.2021
Lecturer (civil engineering)
JNCT Rewa
Site engineer
Maa infra. Pvt Ltd.
Minor/Major Training - Civil Department
J.P. cement Rewa
High School - All
M.P Board
B.E. -
RGPV
Senior Secondary - Mathematics
M.P Board